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Keivon Behnamzad |
Wednesday, September 2, 2026 |
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Mortgage Market Update
Finding the right loan for your situation
Hi there. This week I want to share some thoughts on loan programs—and why choosing the right one matters more than most people realize.
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National Mortgage Rates · August 27, 2026
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Source: Freddie Mac PMMS & Optimal Blue via FRED
Rates shown are national averages 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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Loan Programs
Which loan program fits your situation?
Not all mortgages are created equal. Depending on where you are in your financial life—whether you're a first-time buyer, have a smaller down payment, own a property with unique features, or are self-employed—different loan programs can open doors that might otherwise stay closed. Some programs offer flexibility on credit scores or down payment size. Others work better for investment properties or homes that don't fit standard molds. The right fit isn't always obvious, and it changes from person to person. That's why I spend time understanding your specific situation before recommending a path forward. If you've ever wondered whether a particular program might work for you, or if you're curious what options exist beyond conventional financing, I'd love to walk you through what could make sense. Let's talk about which loan program might be the best match for your goals.
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Tip of the Week
Your mortgage interest may be tax-deductible if you itemize. Check with your tax professional to see if it benefits you.
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Tips for Homeowners
Understanding Mortgage Points
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One mortgage point equals 1% of your loan amount. Paying points ("buying down the rate") reduces your interest rate — typically 0.25% per point, though this varies by lender and market.
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Calculate your break-even: divide the cost of the points by your monthly savings. If it takes 4 years to break even and you plan to stay 10 years, buying points makes sense.
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Points paid on a home purchase are generally tax-deductible in the year paid (if you itemize). Points on a refinance must be deducted over the life of the loan.
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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 Keivon Behnamzad team any time and we'll walk you through your options.
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Keivon Behnamzad · Unsubscribe
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