Mortgage Mom Radio Weekly - 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

30yr fell 8 bps from 6.77% last week to 6.69%.

5-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

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-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

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

●  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! PLAY NOW
	The Fed Just Said No Rate Cut PLAY NOW
	Mortgage Rates Just Hit 2026 Highs — What Happened & What Buyers Do Now PLAY NOW

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