This is the most common question I get—and it’s the hardest to answer accurately without more information.
Your rate depends on dozens of factors: loan program, credit score, down payment, debt-to-income ratio, property type, occupancy, and more.
The advertised rates you see online? Those are usually teaser rates—based on perfect borrowers with specific loan types and no adjustments. They’re marketing tools, not reality.
The better question is: what’s the best rate *you* qualify for, and how does that affect your monthly payment and total cost of ownership?
Rates matter, but they’re only one part of the equation. Concessions, buydowns, assistance programs, and your personal timeline all shape the strategy.
Let’s skip the headline rate and focus on what actually gets you into a home—and keeps you comfortable once you’re there.
Jay Atterstrom
📧 [email protected]
📞 (214) 377-0033