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# Mortgage Mom Radio Weekly - August 14, 2026
- URL: https://www.mortgagemomradio.com/newsletter-2026-08-14/
- Published: 2026-08-14T22:34:58.000Z
- Updated: 2026-08-14T22:34:58.000Z
- Description: Good morning — Mortgage Mom here. The 30-year ticked lower to 6.69% this week. Not a huge move, but every basis point matters when you're running numbers.
- Author: Deborah Marcoux
- Tags: Newsletter, Weekly

| Mortgage Mom Radio Weekly Week of August 14, 2026 Good morning — Mortgage Mom here. The 30-year ticked lower to 6.69% this week. Not a huge move, but every basis point matters when you're running numbers. A quick reminder as you read: the interest rates illustrated are based on standard conforming loan limits up to $832,750\. Interest rates for high-balance conventional loans in high-cost areas, such as Los Angeles County, do carry higher rate premiums. Inside this week's issue I walked through VA loan (no down payment) vs Conventional on a $500K purchase so you can see the actual monthly payment math side by side. And on the show this week we dug into "Foreclosures just jumped 21% this year. Is this 2008 all over again" — 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 ProgramRateAPR 30-Year Fixed 6.69% 6.80% 15-Year Fixed 6.26% 6.37% FHA 30-Year 6.28% 7.18% VA 30-Year 6.29% 6.54% Jumbo 30-Year 6.83% 6.94% 30yr fell 8 bps from 6.77% last week to 6.69%. ![8-week rate trend chart](https://storage.ghost.io/c/b7/3c/b73c5a12-68d0-443d-bb3b-778d657dfe84/content/images/2026/08/rate-chart-2026-08-14.png) 5-week trend, 30-year and 15-year fixed Source: [Freddie Mac PMMS](https://www.freddiemac.com/pmms?ref=mortgagemomradio.com) · [Mortgage News Daily](https://www.mortgagenewsdaily.com/mortgage-rates?ref=mortgagemomradio.com) · [US 10-Year Treasury](https://www.marketwatch.com/investing/bond/tmubmusd10y?countrycode=bx&ref=mortgagemomradio.com) 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 **VA loan (no down payment) vs Conventional on a $500K purchase** Eligible veteran with full VA entitlement, comparing $0-down VA vs 5% down conventional VA loan (0% down) $3,691 est. monthly PITI Rate / APR6.29% / 6.54% Down (0%)$0 Loan amount$510,750 P&I$3,158 Est. tax + ins.$417 + $117 Conventional 5% down $3,833 est. monthly PITI Rate / APR6.69% / 6.80% Down (5%)$25,000 Loan amount$475,000 P&I$3,062 Monthly MI$238 Est. tax + ins.$417 + $117 VA-eligible borrowers can preserve their savings by putting nothing down and skip monthly mortgage insurance entirely. The funding fee is real, but it can be financed. For non-veterans, low-down conventional is often the fastest path to homeownership when the credit score cooperates. 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. Estimated property taxes and homeowners insurance are based on national averages and will vary depending on the specific area where the property is located. On the show this week [![Watch the replay](https://i4.ytimg.com/vi/GyhP0Ssvpms/hqdefault.jpg)](https://www.youtube.com/watch?v=GyhP0Ssvpms&ref=mortgagemomradio.com) Foreclosures just jumped 21% this year. Is this 2008 all over again? Full replay linked below — Debbie walks through it all on the air. [Watch the replay](https://www.youtube.com/watch?v=GyhP0Ssvpms&ref=mortgagemomradio.com) [ ![Live show alerts - text LIVE to 844-935-3634](https://storage.ghost.io/c/b7/3c/b73c5a12-68d0-443d-bb3b-778d657dfe84/content/images/2026/07/live-text-signup.png) ](sms:8449353634?&body=LIVE) [ ![Real questions. Real numbers. Text MOM to 844-935-3634](https://storage.ghost.io/c/b7/3c/b73c5a12-68d0-443d-bb3b-778d657dfe84/content/images/2026/07/scenario-question.png) ](sms:8449353634?&body=MOM) [ ![Ready to talk through your own numbers? Book an appointment with Debbie](https://storage.ghost.io/c/b7/3c/b73c5a12-68d0-443d-bb3b-778d657dfe84/content/images/2026/07/book-appointment.png) ](https://www.mortgagemomradio.com/schedule/) ● IN CASE YOU MISSED IT Catch up on recent shows A few recent shows worth catching up on: [![Homeowners Insurance is killing deals at closing!](https://i.ytimg.com/vi/oPt4SRJgDRc/mqdefault.jpg)](https://www.youtube.com/watch?v=oPt4SRJgDRc&ref=mortgagemomradio.com) [Homeowners Insurance is killing deals at closing!](https://www.youtube.com/watch?v=oPt4SRJgDRc&ref=mortgagemomradio.com) [PLAY NOW](https://www.youtube.com/watch?v=oPt4SRJgDRc&ref=mortgagemomradio.com) [![The Fed Just Said No Rate Cut](https://i.ytimg.com/vi/WzSInrrdFt0/mqdefault.jpg)](https://www.youtube.com/watch?v=WzSInrrdFt0&ref=mortgagemomradio.com) [The Fed Just Said No Rate Cut](https://www.youtube.com/watch?v=WzSInrrdFt0&ref=mortgagemomradio.com) [PLAY NOW](https://www.youtube.com/watch?v=WzSInrrdFt0&ref=mortgagemomradio.com) [![Mortgage Rates Just Hit 2026 Highs — What Happened & What Buyers Do Now](https://i.ytimg.com/vi/vo8njS74v54/mqdefault.jpg)](https://www.youtube.com/watch?v=vo8njS74v54&ref=mortgagemomradio.com) [Mortgage Rates Just Hit 2026 Highs — What Happened & What Buyers Do Now](https://www.youtube.com/watch?v=vo8njS74v54&ref=mortgagemomradio.com) [PLAY NOW](https://www.youtube.com/watch?v=vo8njS74v54&ref=mortgagemomradio.com) ● SPREAD THE WORD Know someone who needs this? Shopping, refinancing, or on an HOA board?Forward this newsletter — that's how good info gets around. [Forward Newsletter](https://mortgagemomradio.com/?ref=mortgagemomradio.com#/portal/signup/newsletter) Debbie Marcoux, NMLS #237926\. JMJ Financial dba Mortgage Mom Radio, NMLS #167867\. Equal Housing Lender. Licensed in AZ, CA, CO, FL, GA, HI, ID, IL, NV, NC, OR, TN, TX, WA. For illustrative and educational purposes only. Not a commitment to lend. Rates, terms, and eligibility subject to underwriting approval and change without notice. |
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