How Airbnb Hosts Are Qualifying for Lower Mortgage Rates Using Rental Income
Fannie Mae lets lenders count 75% of short-term rental income toward DTI — enough to drop some Airbnb hosts into a rate tier 0.25%–0.50% lower than a standard application.
Category Mortgage Rates
Why Multi-Unit Property Mortgage Rates Are 2% Higher Than Primary Residences in 2026
Investment borrowers financing 2–4 units pay 0.5–1% more than primary buyers, but stacked adjustments push real rates over 2% higher—costing $250,000+ in extra interest.
Co-Op Apartment Mortgage Rates: Why Lenders Price These Loans Differently Than Condos
Co-op loans run 0.25–0.50 points higher than condos because lenders hold shares, not deeds, and sit behind building mortgages. See credit and down payment requirements.
USDA vs FHA Mortgage Rates: Which Saves More for Rural First-Time Buyers
On a $275K rural home, USDA loans save $11,880 upfront versus FHA—but eligibility and credit scores shift the advantage. See the actual numbers.
The Hidden Rate Difference Between 30-Year and 20-Year Mortgages Most Buyers Ignore
A 20-year mortgage typically costs 0.25–0.50% less than 30-year rates. On a $400k loan, that gap alone saves $40,000 in interest—yet most buyers never see the offer.
Portfolio Loans vs Conventional Mortgages: Which Rate Structure Works Better for High-Asset Borrowers
Portfolio loans hit 31.5% of new originations in Q3 2024. Compare rate structures to see if a portfolio loan mortgage rate beats conventional financing for your situation.
Mortgage Rates After Bankruptcy: What to Expect and How to Improve Your Offer
Borrowers two years past Chapter 7 discharge pay $25,000+ extra in interest on a $250K mortgage. See how bankruptcy affects your rate and when the penalty drops.
Second Home Mortgage Rates vs Primary Residence: What the Pricing Gap Really Looks Like
Second homes carry a permanent 0.50–0.75% rate premium over primary residences. See what this markup means for your total cost and whether buying makes financial sense.
Seasonal Worker Mortgage Rates: Why Your Rate Stays the Same (But Your Application Might Not)
Seasonal workers with 2+ years documented history qualify for identical rates as year-round employees—but denial and income cuts are the real risks. Here's what lenders actually look at.