Lock Your Rate Before the Fed’s Next Move in 2026: When It’s Worth It
Rate locking pays off if you're closing within 45 days with a 740+ credit score. Skip it if closing is 60+ days out or your score is below 680.
Tag Fed policy
How Interest Rate Floors on HELOCs Trap Borrowers Even When the Fed Cuts Aggressively
HELOC interest rate floors often cap out at 4–8% regardless of Fed cuts. See why borrowers who expected savings hit a ceiling, and how to protect yourself before signing.