Mortgage Rate Buydowns Explained: Is Paying Points Worth It?
One point costs 1% of your loan and cuts your rate by ~0.25% — but you'll need 5–7 years to break even. Here's how to tell if buying down your rate is worth it.
Category Mortgage Rates
How a Self-Employed Borrower Can Qualify for a Competitive Mortgage Rate
Two years of tax returns, a 700+ credit score, and a DTI below 43% are the benchmarks lenders use—here's how self-employed borrowers can meet them and close.
Current Mortgage Rates for First-Time Homebuyers in 2026
30-year fixed rates now range from 6.4%–7.1%, with FHA loans averaging 6.2%. Here's how today's rates affect what first-time buyers can actually afford.
The 3 Numbers Lenders Check Before Your Credit Score to Set Your Mortgage Rate
Your credit score isn't the first factor lenders check. LTV, DTI, and cash reserves can move your rate by over 1% before your FICO score matters at all.
Assumable Mortgage Rates vs Today’s New Loan Rates: When Taking Over a Seller’s Loan Actually Wins
Learn about assumable mortgage rates comparison. Discover when assuming a seller's loan beats today's new rates and how to qualify for this money-saving strategy.
How First-Time Homebuyers With Student Debt Can Still Qualify for a Competitive Mortgage Rate
Switch to income-driven repayment, boost your credit above 720, and shop multiple lenders. First-time buyers with student loans can qualify for competitive mortgage rates.
Mortgage Rate Trends Heading Into Late 2026: What the Data Is Telling Buyers Right Now
The 30-year fixed rate sits near 6.72% — down from 2023's 8% peak, but economists warn further drops will be slow and uneven through year-end.
Jumbo Mortgage Rates vs Conforming Loans: What High-Balance Borrowers Should Know
Jumbo loans run 0.25–0.50 points higher than conforming rates — here's why that gap exists and what high-balance borrowers above the $806,500 limit must qualify for.
How Retirees on Fixed Income Can Still Lock In a Low Mortgage Rate
With 30-year rates at 6.72%, retirees using asset depletion income and Social Security documentation can qualify for near-market mortgage rates without a paycheck.
How Mortgage Rates Differ for Condotels and Vacation Properties
Condotel loans can run 1–2 points above standard rates, while vacation homes add 0.50–0.75 points—gaps that cost tens of thousands over a 30-year term.