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Mortgage Rates Explained (2026) | Why Your Rate Is Different + How to Shop Lenders Smart
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The Federal Reserve just raised interest rates for the first time since 2023, and they hinted at 1 more rate hike possibly this year. How does that change your money? Here are 4 ways: 1️⃣ Your credit card, HELOCs, and adjustable rate loans are tied to the prime rate, and they are going to get more expensive within 1-2 cycles. If you carry a credit card balance, paying it down now is the best guaranteed return you can get. 2️⃣ your high yield savings should earn more if your bank passes the rate
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Here’s what I’d do ↓ Before I became a millionaire at 30 and built an eight figure net worth, I was a top producing real estate broker. Today, I’m an investor with millions of dollars invested across real estate, stocks and other income producing assets, and one of the biggest things building wealth has taught me is this: You have to learn to look for opportunity when everyone else is looking at the fear. Mortgage rates are back around 7%, buyers are pulling back, builders are cutting prices and
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Why wait until the last minute to sort your mortgage rate? If your current mortgage deal is coming to an end, you can often secure a new mortgage rate up to 6 months in advance. And if you use a mortgage adviser who offers rate tracking, they can continue to monitor mortgage rates for you after your rate has been secured. If rates go up, you have already secured your rate. If rates come down, your adviser can review the available products and, where possible, switch you to a lower rate before yo
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