How First-Time Buyers Lock Mortgage Rates Before Their Offer Is Accepted
Secure today's rate 60–90 days before making an offer with Lock & Shop programs. First-time buyers protect against rate spikes and strengthen offers in competitive markets.
Tag home buying
Mortgage Rate Buydown Strategies Most Buyers Have Never Heard Of
A 2-1 buydown drops your rate 2 points in year one — and permanent discount points can save tens of thousands over 30 years. Here's how each strategy works.
5 Rate Negotiation Mistakes Repeat Homebuyers Make on Second Mortgages
Second mortgages carry 0.25–0.75% rate premiums, and repeat buyers often use first-home tactics that backfire. See what actually works when negotiating your second mortgage.
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.