10/22/2026
Higher mortgage rates can make buying feel challenging, but there may be different ways to shape a loan around your budget and goals. Here are some strategies to discuss with a loan officer:
1. Compare loan offers. Review the rate, APR, fees, and estimated monthly payment side by side.
2. Review your credit before applying. Correcting errors or paying down some balances may improve your loan options.
3. Explore a rate buydown. Compare any upfront cost with the potential monthly savings.
4. Ask about seller concessions. Depending on the offer and loan rules, seller credits may help with closing costs or an eligible temporary buydown.
5. Consider a different price range. A lower purchase price can reduce the amount borrowed and the monthly payment.
6. Compare loan programs. Ask what you may qualify for and how the costs and terms differ.
7. Choose a payment you can manage. Include taxes, insurance, mortgage insurance, and other housing costs.
8. Ask about a rate lock. Review the timing, lock period, and any extension fees.
9. Treat refinancing as a possibility, not a promise. Future rates and eligibility can change, so make sure the payment works for you now.
There’s no guaranteed way to “beat” the market. Comparing options and planning around the full payment can help you make a more informed decision. Message STRATEGY to start a conversation with Angie and Tasha.
Angie Cansler | Branch Manager & Loan Officer
NMLS #284090 | (559) 707-0640
Tasha Tomlinson | Loan Officer
NMLS #1549527 | (559) 904-1182
Core Home Loans
1507 N. 11th Avenue, Hanford, CA 93230
A division of Alameda Mortgage Corporation | NMLS #271603
HigherMortgageRates HanfordCA KingsCountyHomes
Individual results very and all applicants will qualify for best. rates or programs.