Melissa Leon Diaz · November 3, 2026

Your mortgage has options—which fits you best?

Melissa Leon Diaz

Actualización del mercado hipotecario

Melissa Leon Diaz

Melissa Leon Diaz

martes, 3 de noviembre de 2026

Your mortgage has options—which fits you best?

Every borrower's path looks a little different. This week, let's talk about choosing the mortgage program that works for your life.

Tasas hipotecarias nacionales · 2 de noviembre de 2026

Convencional a 30 años

7.13%

FHA a 30 años

6.96%

VA a 30 años

6.76%

Rate trend

Fuente: índices hipotecarios diarios de Optimal Blue vía FRED

Las tasas mostradas son tasas de índices hipotecarios nacionales y se ofrecen solo con fines informativos. Las tasas reales varían según el perfil crediticio, el monto del préstamo y las condiciones del mercado. Contáctenos para una cotización personalizada.


Loan Programs

Which mortgage program is right for your situation?

Not all mortgages are created equal, and the right loan for your neighbor might not be the right loan for you. Fixed-rate mortgages lock in stability. Adjustable-rate loans can offer lower initial payments. FHA, VA, and conventional programs each have different rules around down payments, credit requirements, and what they allow you to borrow. First-time buyers, move-up buyers, and refinancing homeowners often qualify for different options. Understanding which program fits your goals, timeline, and finances is a conversation worth having. I'm here to walk through your choices without pressure—just clarity. Let's talk about what makes sense for where you are right now.

Reach out and we can explore which loan program aligns best with your situation.

Consejo de la semana

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.

Consejos para propietarios

Co-Signing a Mortgage: What You're Really Agreeing To

1.

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.

2.

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.

3.

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.

Have questions about how any of this affects your mortgage or home purchase? We're here to help — reach out to the Melissa Leon Diaz team any time and we'll walk you through your options.

Su asesor hipotecario

Melissa Leon Diaz

Melissa Leon Diaz

Melissa Leon Diaz

melissa@homepluscapital.com

3057136234

f
ig

1700 sw 57th ave suite 205 miami fl 33155

3057136234

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