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We all know that mortgage rates play a vital role in determining the affordability and overall cost of homeownership. But what?factors into how rates are determined? Let's talk about the things you can control and the ones?you can't! Out of your control: Mortgage rates are closely tied to the overall state of the economy. Economic factors such as monetary policy, inflation, and economic growth help determine the cost of borrowing money?for the consumer. In your control: While some factors are out of your control when it comes to mortgage rates, there are still areas where you have the ability to affect the rate you get. Borrowers with a higher credit score indicate a lower risk to lenders, resulting in a more favorable mortgage rate. Additionally, borrowers with a larger down payment tend to have a lower loan-to-value (LTV) ratio. This measures the mortgage amount compared with the home's value. The lower the LTV, the less risk for lenders which means a lower rate to the borrower. Have questions or want to know more about rates? Send me a DM! I'm happy to answer your questions!

We all know that mortgage rates play a vital role in determining the affordability and overall cost of homeownership, but what factors play into how rates are determined? Let's talk about the factors that?you can control and the factors that you can't! ? Factors you can't control: Mortgage rates are closely tied to the overall state of the economy. Economic factors such as monetary policy, inflation, and economic growth help determine the cost of borrowing money?for the consumer. ? Factors you can control: While some factors are out of your control when it comes to mortgage rates, there are still areas where you have the ability to affect the rate you get. Borrowers with a higher credit score indicate a lower risk to lenders, resulting in a more favorable mortgage rate. Additionally, borrowers with a larger down payment tend to have a lower loan-to-value (LTV) ratio. This measures the mortgage amount compared with the home's value. The lower the LTV, the less risk for lenders which means a lower rate to the borrower. Have questions or want to know more about rates? Send me a DM! I'm happy to answer your questions!?

We all know that mortgage rates play a vital role in determining the affordability and overall cost of homeownership. But what?factors into how rates are determined? ??Let's talk about the things you can control and the ones?you can't! Out of your control: Mortgage rates are closely tied to the overall state of the economy. Economic factors such as monetary policy, inflation, and economic growth help determine the cost of borrowing money?for the consumer. In your control: While some factors are out of your control when it comes to mortgage rates, there are still areas where you have the ability to affect the rate you get. Borrowers with a higher credit score indicate a lower risk to lenders, resulting in a more favorable mortgage rate. Additionally, borrowers with a larger down payment tend to have a lower loan-to-value (LTV) ratio. This measures the mortgage amount compared with the home's value. The lower the LTV, the less risk for lenders which means a lower rate to the borrower. ? Have questions or want to know more about rates? Send me a DM! I'm happy to answer your questions!???????

Mortgage rates have been one of the hottest topics in the housing market lately because of their impact on affordability. Here's a great article of the details of what is happening. For more information on rates, one of my preferred lenders, Pamela Harambasic is ready to take your questions and get you the answers you need to feel comfortable to take the next step.

We all know that mortgage rates play a vital role in determining the affordability and overall cost of homeownership, but what factors play into how rates are determined? Let's talk about the factors that?you can control and the factors that you can't! ? Factors you can't control: Mortgage rates are closely tied to the overall state of the economy. Economic factors such as monetary policy, inflation, and economic growth help determine the cost of borrowing money?for the consumer. ? Factors you can control: While some factors are out of your control when it comes to mortgage rates, there are still areas where you have the ability to affect the rate you get. Borrowers with a higher credit score indicate a lower risk to lenders, resulting in a more favorable mortgage rate. Additionally, borrowers with a larger down payment tend to have a lower loan-to-value (LTV) ratio. This measures the mortgage amount compared with the home's value. The lower the LTV, the less risk for lenders which means a lower rate to the borrower. Have questions or want to know more about rates? Send me a DM! I'm happy to answer your questions!?

We all know that mortgage rates play a vital role in determining the affordability and overall cost of homeownership. But what factors into how rates are determined? Let's talk about the things you can control and the ones you can't! Out of your control: Mortgage rates are closely tied to the overall state of the economy. Economic factors such as monetary policy, inflation, and economic growth help determine the cost of borrowing money for the consumer. In your control: While some factors are out of your control when it comes to mortgage rates, there are still areas where you have the ability to affect the rate you get. Borrowers with a higher credit score indicate a lower risk to lenders, resulting in a more favorable mortgage rate. Additionally, borrowers with a larger down payment tend to have a lower loan-to-value (LTV) ratio. This measures the mortgage amount compared with the home's value. The lower the LTV, the less risk for lenders which means a lower rate to the borrower. Have questions or want to know more about rates? Send me a DM! I'm happy to answer your questions!

We all know that mortgage rates play a vital role in determining the affordability and overall cost of homeownership, but what factors play into how rates are determined? Let's talk about the factors that?you can control and the factors that you can't! ? Factors you can't control: Mortgage rates are closely tied to the overall state of the economy. Economic factors such as monetary policy, inflation, and economic growth help determine the cost of borrowing money?for the consumer. ? Factors you can control: While some factors are out of your control when it comes to mortgage rates, there are still areas where you have the ability to affect the rate you get. Borrowers with a higher credit score indicate a lower risk to lenders, resulting in a more favorable mortgage rate. Additionally, borrowers with a larger down payment tend to have a lower loan-to-value (LTV) ratio. This measures the mortgage amount compared with the home's value. The lower the LTV, the less risk for lenders which means a lower rate to the borrower. Have questions or want to know more about rates? Send me a DM! I'm happy to answer your questions!?

We all know that mortgage rates play a vital role in determining the affordability and overall cost of homeownership. But what?factors into how rates are determined? Let's talk about the things you can control and the ones?you can't! Out of your control: Mortgage rates are closely tied to the overall state of the economy. Economic factors such as monetary policy, inflation, and economic growth help determine the cost of borrowing money?for the consumer. In your control: While some factors are out of your control when it comes to mortgage rates, there are still areas where you have the ability to affect the rate you get. Borrowers with a higher credit score indicate a lower risk to lenders, resulting in a more favorable mortgage rate. Additionally, borrowers with a larger down payment tend to have a lower loan-to-value (LTV) ratio. This measures the mortgage amount compared with the home's value. The lower the LTV, the less risk for lenders which means a lower rate to the borrower. ? Have questions or want to know more about rates? Send me a DM! I'm happy to answer your questions!??

We all know that mortgage rates play a vital role in determining the affordability and overall cost of homeownership. But what?factors into how rates are determined? Let's talk about the things you can control and the ones?you can't! Out of your control: Mortgage rates are closely tied to the overall state of the economy. Economic factors such as monetary policy, inflation, and economic growth help determine the cost of borrowing money?for the consumer. In your control: While some factors are out of your control when it comes to mortgage rates, there are still areas where you have the ability to affect the rate you get. Borrowers with a higher credit score indicate a lower risk to lenders, resulting in a more favorable mortgage rate. Additionally, borrowers with a larger down payment tend to have a lower loan-to-value (LTV) ratio. This measures the mortgage amount compared with the home's value. The lower the LTV, the less risk for lenders which means a lower rate to the borrower. ? Have questions or want to know more about rates? Send me a DM! I'm happy to answer your questions!??