“Remember sub-3% rates? Yeah… 4% in 2026 feels tricky but doable.”
“USDA & VA loans can hit high 4%—perfect for eligible buyers.”
“15-year loans cut risk and interest—averaging around 5.44% February 2026.”
“Buying points drops your rate: 1 point ≈ 0.25%, $4k per $400k loan.”
“Ask sellers to cover points—lower your rate without touching savings.”
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