05/01/2026
“What are rates today?” honestly… not the question you think it is
The rate you see online or hear from a friend is pretty irrelevant. Especiallyyyy because you can’t even lock yourrate in until you are under contract on a house ‼️So asking what rates are today when you haven’t found a house yet is kind of like asking what your flight price is before you pick a destination or know when you’re going.
Sure, we could tell you what the average interest rate for certain loan programs are today… but by the time you’re under contract? Things have most likely changed.
Once you ARE are ready, YOUR rate depends on:
• your credit
• your down payment
• your loan type
….and more
What actually matters is:
• what your payment looks like
• what loan strategy fits your situation
• and whether it makes sense for you to buy right now
Stop chasing a number you can’t lock in and that doesn’t pertain to your situation. We don’t sell rates, we help you make a smart move when the timing is right 🫶. Did you know this about interest rates? That you can’t lock yours in until you are under contract on a house?