Mortgage Mom Radio Weekly - July 24, 2026

Hey friends — Mortgage Mom here. The 30-year moved up to 6.81% this week. Movement like this is exactly why we keep our eye on the market together.

Inside this week's issue I walked through Conforming vs Jumbo on a $900K purchase so you can see the actual monthly payment math side by side. And on the show this week we dug into "Mortgage Rates Just Hit 2026 Highs — What Happened & What Buyers Do Now" — recap is down below with the full replay link. If you're running numbers on your own situation and want a real answer — not a maybe — text MOM to 844-935-3634 anytime. That's what I'm here for.

— Debbie

Rates this week

30yr rose 10 bps from 6.71% last week to 6.81%.

2-week trend, 30-year and 15-year fixed

Source: Freddie Mac PMMS · Mortgage News Daily · US 10-Year Treasury

Rates shown are national averages from third-party sources for illustrative purposes only. APR estimates use industry-standard fee uplifts and will vary based on borrower qualification, loan amount, and specific fees. Not a commitment to lend.

This week's scenario

Conforming vs Jumbo on a $900K purchase

Buyer near the 2026 conforming limit ($806,500 standard), deciding how much to put down

Right at the conforming limit, sometimes it's worth putting more down to keep the loan conforming and access simpler underwriting. Jumbo loans can carry different reserve requirements and stricter guidelines, but the rate spread has narrowed considerably. Which path saves money depends on how much cash you have available and how tight your other qualifications are.

For illustrative purposes only. Not a commitment to lend. Actual rates, payments, and eligibility depend on full underwriting and will vary based on credit score, debt-to-income, loan-to-value, property type, occupancy, reserves, and specific investor or agency overlays. Rates and terms shown reflect national averages on the date pulled and are subject to change without notice.

On the show this week

Mortgage Rates Just Hit 2026 Highs — What Happened & What Buyers Do Now Full replay linked below — Debbie walks through it all on the air. Watch the replay

In case you missed it

A few recent shows worth catching up on:

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