Mortgage rates in 2026 are lower than in early 2025, but securing the best rate requires strategy. Key tips include boosting your credit score, lowering your debt-to-income ratio to 25% or less, making a larger down payment, and buying discount points to reduce interest rates. Consider temporary rate buydowns, adjustable-rate mortgages, shorter loan terms, or assumable mortgages. Refinancing may be beneficial if rates drop 1-2% below your current rate.
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