Proven Strategies to Lower Your Mortgage Interest Rate
Discover proven tactics to lower your mortgage interest rate, including credit optimization, lender negotiation, buydowns, and timing the market.
Why this article matters
- Boosting your middle credit score by 20 points can shift you into a better pricing tier worth thousands in savings.
- Comparing quotes from at least three lenders can lower your rate by 0.25% or more according to CFPB research.
- Combining a short lock window with targeted discount points often produces the optimal break-even savings.