{"id":9494,"date":"2026-04-27T10:00:00","date_gmt":"2026-04-27T17:00:00","guid":{"rendered":"https:\/\/lisamillerpllc.com\/?p=9494"},"modified":"2026-04-27T10:00:00","modified_gmt":"2026-04-27T17:00:00","slug":"4-mortgage-in-2026-yes-its-possible","status":"publish","type":"post","link":"https:\/\/lisamillerpllc.com\/staging\/4-mortgage-in-2026-yes-its-possible\/","title":{"rendered":"4% Mortgage in 2026? Yes, It\u2019s Possible"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\"\n                src=\"https:\/\/www.roomvu.com\/agent\/embed\/lisa-miller-2\/four-mortgage-rate\"\n                frameborder=\"0\"\n                allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\"\n                allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>\u201cRemember sub-3% rates? Yeah\u2026 4% in 2026 feels tricky but doable.\u201d<\/p>\n<p>\u201cUSDA &amp; VA loans can hit high 4%\u2014perfect for eligible buyers.\u201d<\/p>\n<p>\u201c15-year loans cut risk and interest\u2014averaging around 5.44% February 2026.\u201d<\/p>\n<p>\u201cBuying points drops your rate: 1 point \u2248 0.25%, $4k per $400k loan.\u201d<\/p>\n<p>\u201cAsk sellers to cover points\u2014lower your rate without touching savings.\u201d<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u201cRemember sub-3% rates? Yeah\u2026 4% in 2026 feels tricky but doable.\u201d \u201cUSDA &amp; VA loans can hit high 4%\u2014perfect for eligible buyers.\u201d \u201c15-year loans cut risk and interest\u2014averaging around 5.44% February 2026.\u201d \u201cBuying points drops your rate: 1 point \u2248 0.25%, $4k per $400k loan.\u201d \u201cAsk sellers to cover points\u2014lower your rate without touching savings.\u201d<\/p>\n","protected":false},"author":1,"featured_media":9495,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","content-type":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[3],"tags":[],"class_list":["post-9494","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"jetpack_publicize_connections":[],"jetpack_shortlink":"https:\/\/wp.me\/paOTA9-2t8","jetpack-related-posts":[{"id":9678,"url":"https:\/\/lisamillerpllc.com\/staging\/new-home-buyers-lean-on-government-loans\/","url_meta":{"origin":9494,"position":0},"title":"New-Home Buyers Lean on Government Loans","author":"admin","date":"June 11, 2026","format":false,"excerpt":"Applications for new-home purchases \u2193~2% yearly and \u219310% MoM in Early-Q2, showing affordability still shaped buyer timing. Estimated new single-family sales ran at a 655K annual pace in Early-Q2, \u2193~9% from Late-Q1\u2019s revised 717K pace for builders tracking demand. Government-backed options made up >50% of new-home applications, with federal insured\u2026","rel":"","context":"In &quot;News&quot;","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/06\/mortgage-demand-slips_share.jpg?fit=496%2C279&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":9219,"url":"https:\/\/lisamillerpllc.com\/staging\/an-easy-to-understand-guide-on-mortgage-points\/","url_meta":{"origin":9494,"position":1},"title":"An Easy-To-Understand Guide On Mortgage Points","author":"admin","date":"February 8, 2026","format":false,"excerpt":"Shopping for a mortgage involves understanding mortgage points, which allow borrowers to pay a fee to lower their interest rate and monthly payments. Typically, one point costs about 1% of the mortgage and reduces the rate by 0.25%. The savings depend on how long you stay in the home. Points\u2026","rel":"","context":"In &quot;News&quot;","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":9123,"url":"https:\/\/lisamillerpllc.com\/staging\/mortgage-comparison-guide-for-first-time-homebuyers\/","url_meta":{"origin":9494,"position":2},"title":"Mortgage Comparison Guide for First\u2011Time Homebuyers","author":"admin","date":"January 23, 2026","format":false,"excerpt":"When buying a home, choosing between fixed-rate and adjustable-rate mortgages depends on your financial situation and plans. Fixed-rate loans offer stable payments, while adjustable-rate loans have fluctuating rates after an initial period. Government-backed loans assist those with lower credit or special groups, often requiring lower down payments, whereas conventional loans\u2026","rel":"","context":"In &quot;News&quot;","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":9733,"url":"https:\/\/lisamillerpllc.com\/staging\/helocs-and-home-equity-loans-explained\/","url_meta":{"origin":9494,"position":3},"title":"HELOCs and Home Equity Loans Explained","author":"admin","date":"July 1, 2026","format":false,"excerpt":"Home equity loans deliver fixed-rate lump sums, while HELOCs work as variable-rate credit lines homeowners can draw from as needed over time. A home equity loan may let homeowners borrow up to ~85% of value, then repay in monthly installments tied to property collateral. $100K HELOCs fit medium projects; $250K\u2026","rel":"","context":"In &quot;News&quot;","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/06\/helocs-home-equity-loan_share.jpg?fit=496%2C279&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":9160,"url":"https:\/\/lisamillerpllc.com\/staging\/how-to-get-a-home-loan-what-to-know-before-you-apply\/","url_meta":{"origin":9494,"position":4},"title":"How to Get a Home Loan: What to Know Before You Apply","author":"admin","date":"January 25, 2026","format":false,"excerpt":"Before applying for a mortgage, understand your credit score, as higher scores improve approval chances and lower interest rates. Know your affordable price range by considering your debt-to-income ratio, ideally below 36%. Plan your down payment, typically 10-20%, to reduce loan size and avoid extra insurance costs. Choose between fixed-rate\u2026","rel":"","context":"In &quot;News&quot;","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":8797,"url":"https:\/\/lisamillerpllc.com\/staging\/homebuyers-dont-wait-for-a-miracle-rate\/","url_meta":{"origin":9494,"position":5},"title":"Homebuyers, Don\u2019t Wait for a Miracle Rate","author":"admin","date":"September 25, 2025","format":false,"excerpt":"Mortgage rates increased after five weeks of declines, driven by stronger-than-expected economic indicators. Experts forecast minimal rate relief through late 2025 despite Federal Reserve predictions of future cuts. Waiting for rate drops may backfire as housing prices remain high and supply stays limited. Buyers can gain ground by exploring options\u2026","rel":"","context":"In &quot;News&quot;","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2025\/09\/future-rate-us_share.jpg?fit=496%2C279&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]}],"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/04\/four-mortgage-rate_share.jpg?fit=496%2C279&ssl=1","_links":{"self":[{"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/posts\/9494","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/comments?post=9494"}],"version-history":[{"count":1,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/posts\/9494\/revisions"}],"predecessor-version":[{"id":9497,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/posts\/9494\/revisions\/9497"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/media\/9495"}],"wp:attachment":[{"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/media?parent=9494"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/categories?post=9494"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/tags?post=9494"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}