Unlocking Home Financing Secrets with Joe and Cody
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Unlocking Home Financing Secrets with Joe and Cody
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Mortgage rates are driving today's strange real estate market despite high demand and low supply, creating affordability challenges for buyers and homeowners alike.
• Current mortgage rates are hovering around 6.9%, making affordability the main obstacle for many buyers
• Homeowners with 3% rates feel trapped, wanting to move but unable to afford higher rates on new properties
• Rates may eventually return to the low 5% range, but the timeline remains uncertain
• Down payment amount and credit score are the primary factors in determining the best mortgage type
• VA loans are optimal for veterans, conventional loans work best for credit scores above 700, FHA for below 700
• Service quality is the key differentiator between lenders, with personalized attention often worth slightly higher rates
• Rate locks are tied to specific properties and typically last 30 days, with longer periods available for new construction
• Mortgage rates can change multiple times daily based on market conditions
• The average mortgage currently takes 23-24 days from accepted offer to closing
Join us for future episodes where we'll be bringing on special guests to share their expertise on the mortgage and real estate markets.