How Changing Your Down Payment, Credit, or Loan Term Can Impact Your Rate and Payment

Dustin Mcintosh

Published on: 02/10/2025

One of the most common questions borrowers ask is: What can I do to get a better mortgage deal? The truth is, even small changes to your loan details can have a big impact — especially in today’s higher-rate environment. Increasing your down payment, improving your credit score, or choosing a different loan term can all change your interest rate and monthly payment in ways that might surprise you.

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Will Mortgage Rates Go Down Soon? What Buyers and Homeowners Should Know

Dustin Mcintosh

Published on: 02/10/2025

Many buyers and homeowners are wondering: Will mortgage rates go down soon? With talk of a potential Federal Reserve rate cut, hopes are high for lower payments and better affordability. As of September 2025, 30-year fixed mortgage rates have already dipped into the mid-6% range, but predicting what comes next isn’t straightforward.

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