06/30/2026
Your mortgage shouldn't be chosen based on an algorithm!
Every time you log onto social media, some sponsored post is blasting a headline grabbing mortgage rate across your screen. It’s classic clickbait. And it’s the oldest trick in the book.
Here's the reality, those ultra-low, headline numbers are almost always bait-and-switch tactics designed just to get your contact info. Once you dive into the details, you often find they are tied to "no-frills" contracts with zero flexibility.
Life happens over a five-year term. People relocate for work, families grow, or opportunities arise to refinance and consolidate debt.
If you try to break one of those highly restrictive, clickbait contracts early, you don't just pay a standard, predictable penalty. The calculation hidden in the fine print can easily trigger an unexpected bill for $5,000 to $15,000 or more just to walk away. Suddenly, that "unbeatable deal" you clicked on becomes a massive financial anchor.
Top-tier lenders offer fantastic, flexible options, but you have to know how to spot the difference between a real financial strategy and an online advertisement. At Prudhomme Mortgages, I don't buy into the scroll culture. I build strategies based on real-life flexibility and total cost, not just the bait on your feed.
Stop clicking the numbers. Start building the strategy.
