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Mortgage Market Update
My Mortgage Company
Priscilla Nieves
Tuesday, November 3, 2026
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Staying on your radar for a reason |
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Hi there. I wanted to share why I think regular check-ins matter — and why I'm not shy about staying in touch with folks like you.
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National Mortgage Rates · November 2, 2026
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Conventional 30-Year
7.13%
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Source: Optimal Blue daily mortgage indices via FRED
Rates shown are national mortgage index rates and are provided for informational purposes only. Actual rates vary based on credit profile, loan amount, and market conditions. Please contact us for a personalized rate quote.
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Smart Money
Why your loan officer checks in regularly
Life changes. Your finances shift. Interest rates move. And sometimes, an opportunity you didn't see coming suddenly makes sense. That's why I like to stay in touch with the people I've helped — not to push a sale, but to make sure you know your options when the timing is right. Maybe rates have moved in a way that opens a door. Maybe you've paid down your mortgage faster than expected. Maybe you're just wondering whether your current loan still fits your life. A conversation costs nothing, and it often clarifies things. I'm here if you want to talk through where you stand. Reach out anytime you're curious about your mortgage or just want a second opinion.
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Tip of the Week
Refinancing resets your amortization clock. If you're 10 years into a 30-year loan, consider a shorter term to avoid paying more total interest.
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Tips for Homeowners
Co-Signing a Mortgage: What You're Really Agreeing To
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1.
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Co-signing makes you equally responsible for the debt. If the primary borrower misses payments, your credit score takes the same hit and the lender can pursue you for the full balance.
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2.
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The co-signed mortgage debt appears on your credit report and counts toward your DTI. This can limit your ability to qualify for your own financing until the loan is paid off or refinanced out of your name.
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3.
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There's no automatic way to remove yourself as a co-signer — the primary borrower must refinance the loan in their name alone. Get this understanding in writing before you sign.
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Have questions about how any of this affects your mortgage or home purchase? We're here to help — reach out to the My Mortgage Company team any time and we'll walk you through your options. |
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Your Mortgage Advisor
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My Mortgage Company
Priscilla Nieves
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