One question I hear often: how can homebuyers secure a mortgage rate that’s better than the headlines? Here’s what I want my Colorado clients to know. Mortgage rates aren’t set in stone—there’s actually a 93 basis point range, which can mean a difference of about $28,400 in buying power. The key factors that influence where you land in that range include your credit score (aim for above 700-720), the size of your down payment, and, just as importantly, which lender you choose. Taking the time to compare multiple lenders can help you find a more favorable rate and stretch your homebuying budget further. As someone who believes a mortgage is more than just numbers, I’m committed to helping you understand all your options so you can move forward with clarity and confidence.
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