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Getting the lowest mortgage rate is not just about calling lenders and asking for today’s rate. The best mortgage pricing usually goes to borrowers with stronger credit, lower debt, stable income, and the right loan setup. If you want a lower rate, the smartest move is to improve the parts of your profile lenders use…
Refinance mortgage rates are the interest rates lenders offer when you replace your current home loan with a new one. The rate you qualify for can affect your monthly payment, total interest cost, and how much you save over time. That is why many homeowners want to understand not just where rates are today, but…
Why mortgage rates are rising is one of the biggest questions homebuyers and homeowners are asking right now. When home loan rates rise, they affect affordability, monthly payments, refinancing opportunities, and borrowers’ confidence in entering the housing market. Mortgage rates do not rise randomly. They usually move in response to inflation trends, Federal Reserve policy,…
Mortgage Rates on Bad Credit Loans With Low Credit Scores Securing a mortgage with bad credit or a low credit score may be difficult, but it is still achievable. While traditional lenders may hesitate to approve borrowers with credit issues, specialized loan programs are designed for those with less-than-perfect credit. This guide explains how mortgage…
Cash-out refinance mortgage rates are usually higher than standard refinance rates because you are borrowing against your home equity and increasing the lender’s risk. The exact rate you get depends on several factors, including your credit score, loan-to-value ratio, occupancy type, property type, and current market conditions. A cash-out refinance can be a handy option…
Will Mortgage Rates Rise in 2026? What Homebuyers and Homeowners Need to Know Will mortgage rates rise or will there be a correction in 2026? With interest rates and home prices at the top of mind for both homebuyers and real estate investors, many are asking the big question. Will mortgage rates rise in 2026?…
This guide covers non-warrantable condos and condotel mortgage rates. A condotel, or a condo-hotel, is a condominium unit located within a hotel or a hotel-like condominium project. Major hotel brands such as Marriott Hotels, Hyatt Hotels, and Trump Hotels often include condotels in their hotel complexes. Condotels are owned by individuals, investors, or other private…
Deciding whether to go with an FHA loan or a conventional loan in Florida isn’t just about the interest rate you find online. For many borrowers—especially with credit scores in the 620–680 range—the “cheaper” option on paper can end up costing more each month once you factor in mortgage insurance (PMI vs. FHA MIP), loan-level…
Quick Answer (who this is for + what “best rate” really means) This guide is for California homebuyers and homeowners refinancing who want to save real money by shopping for the best mortgage rates the right way. In a high-balance market like California, the “best rate” isn’t just the lowest number in an ad—it’s the…
This Article Is About Understanding VA Mortgage Rates And Loan Level Pricing Adjustments VA loans are the best home mortgage program in the United States. The government has created and launched VA loans decades ago to reward qualified members of our U.S. Military to reward them for their service to our country. Only select qualified…
If you’re shopping for a home, refinancing, or advising clients, you’ve probably noticed that the first Friday of the month can swing interest rates more than any other day. That’s no coincidence. The U.S. Bureau of Labor Statistics (BLS) drops the Employment Situation report—also known as the “jobs report”—at 8:30 a.m. ET, and bond traders…
Why You Should Care About the Producer Price Index (PPI) Mortgage rates don’t move randomly. They rise and fall based on inflation, bond markets, and Federal Reserve policy. One of the strongest signals that experts watch is the Producer Price Index (PPI). If you’ve ever asked yourself how PPI affects mortgage rates, the answer is…
How Does the Federal Reserve Affect Mortgage Rates? [2025 Guide for Homebuyers] How does the Federal Reserve affect mortgage rates? You’re not alone. Whether you’re thinking of buying your first home, refinancing your current mortgage, or simply trying to understand why rates keep changing, this guide will break it down in plain English. At Gustan…
This guide covers FHA versus conforming mortgage rates. There are several types of mortgage loan programs: two types of home loan programs: Government loans: FHA, VA, and USDA loans. Conventional loans. Traditional and non-traditional jumbo loans. Non-QM loans. There are three types of government loans: FHA home loans VA loans USDA loans Conventional loans are…
How does strong dollar pushes mortgage rates lower? The surge in the U.S. dollar’s value is making waves across global financial market and it’s bringing an advantage for homebuyers which is falling mortgage rates. Dale Elenteny, a senior mortgage loan originator at Gustan Cho Associates says the following about how the strong dollar pushes mortgage…
This guide covers tips in getting the lowest mortgage rates Florida. Borrowers who are thinking of getting a mortgage with lowest mortgage rates Florida should optimize their credit scores before applying. Majority of mortgage companies that advertise on television, radio, or newspaper often lure potential borrowers with claiming they have the best mortgage rates Florida….
ThIs guide covers housing numbers increase despite higher mortgage rates. This guide is an update of the original guide on housing numbers increase despite higher mortgage rates that was written on 2017. Improving the Mortgage Approach Having advanced in automation and other technologies for mortgages, it is now quicker and easier to close loans: Moving…
Understanding Discount Points: Your Key to Big Savings on Your Mortgage When exploring your mortgage options, “discount points” often pop up. What are they? Simply put, discount points are a way to pay down your mortgage rate, potentially saving you thousands of dollars over the life of your loan. This detailed guide will thoroughly explore…
This guide guide covers how home prices are increasing despite higher mortgage rates. All indicators point to a housing bubble. The real estate boom we have experienced since 2019 is like no other housing explosing since the housing market peaked in 2005-06. HUD and the FHFA have increased loan limits for eight years in a…
This guide covers FHA versus conventional mortgage rates on purchase and refinances transactions. One of the most common questions the team at Gustan Cho Associates is how are FHA versus Conventional mortgage rates. Not all borrowers get the same mortgage rates. Prime borrowers will get the best mortgage rates and terms. Prime borrowers have at…
This Article Is About How Credit Scores Affect Mortgage Rates When Locking Loan Mortgage Rates have dropped 0.25% after the sudden surge in recent weeks. Many borrowers in recent weeks were alarmed due to the sudden surge of rates. Now is the opportunity to lock in rates. How much lower will rates go? Nobody has…
Non-QM mortgage rates are determined by the down payment, credit scores, credit history of the borrower, and type of property. The higher the credit score and the higher the down payment, the lower the mortgage rates.
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