10/23/2026
🏡 Waiting for the “perfect” mortgage rate before you start looking? It may be worth exploring what works for you today.
Freddie Mac’s October 15 survey puts the national average 30-year fixed mortgage rate at 7.40%. That’s a benchmark—not a personal quote. Your rate will depend on your lender, credit, down payment and loan details.
So why could now still be a good time to buy? 🔑
• You may find a home that meets your needs at a total monthly cost you can comfortably manage.
• Depending on the listing and seller’s circumstances, there may be room to discuss price, repairs or closing-cost assistance.
• Buying can give you a place to settle into and make your own, on a timeline that fits your life.
✨ Start with a lender’s personalized estimate that includes taxes, insurance and any mortgage insurance, and leave room for maintenance. Make sure the purchase works at today’s payment rather than relying on a future refinance.
Ready to see how your budget and North Country wish list fit together? Call our office to start your search.
Marshall Realty & Associates
Office: 518-483-2400
Source: Freddie Mac Primary Mortgage Market Survey, October 15, 2026. National survey average; not a loan offer.