{"id":11,"date":"2026-10-14T16:00:00","date_gmt":"2026-10-14T16:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/yourbrokerrobert-com\/2026\/10\/14\/homebuyers-can-shape-their-mortgage-rate\/"},"modified":"2026-10-14T16:00:00","modified_gmt":"2026-10-14T16:00:00","slug":"homebuyers-can-shape-their-mortgage-rate","status":"publish","type":"post","link":"https:\/\/www.yourbrokerrobert.com\/blog\/2026\/10\/14\/homebuyers-can-shape-their-mortgage-rate\/","title":{"rendered":"Homebuyers Can Shape Their Mortgage Rate"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\" src=\"https:\/\/www.roomvu.com\/agent\/embed\/robert-tabatabai\/homebuyers-control-mortgage-remotion-videos-4fa1\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>Over my two decades guiding California families through home financing, I\u2019ve seen firsthand how much control buyers can have over their mortgage rate. A recent study of 1.35 million US purchase loans (from early 2023 through late 2025) confirms what I share with clients: even in the exact same month, rates varied widely\u2014enough to equal a $28,400 difference in home price for those working with a $2,000\/month budget.<\/p>\n<p>Here\u2019s where it matters most: credit score. Improving your score from the high 600s up to 720 can make a meaningful impact, with key breakpoints at 700 and 720. But the simplest way to get a better deal? Shop lenders. The analysis found that a very competitive lender could offer rates 19 basis points lower than the typical one, which translates to about $5,800 in savings.<\/p>\n<p>Interestingly, putting 20% down barely moved the rate (just 0.7 basis points), though it does help you avoid mortgage insurance\u2014which is where the real savings come in. As someone who believes your mortgage should fit your life and long-term goals, I always encourage clients to understand all the moving pieces, not just the rate. It\u2019s about making informed choices and building trust for the future.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Over my two decades guiding California families through home financing, I\u2019ve seen firsthand how much control buyers can have over their mortgage rate. A recent study of 1.35 million US purchase loans (from early 2023 through late 2025) confirms what I share with clients: even in the exact same month, rates varied widely\u2014enough to equal [&hellip;]<\/p>\n","protected":false},"author":592,"featured_media":12,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-11","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.yourbrokerrobert.com\/blog\/wp-json\/wp\/v2\/posts\/11","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.yourbrokerrobert.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.yourbrokerrobert.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.yourbrokerrobert.com\/blog\/wp-json\/wp\/v2\/users\/592"}],"replies":[{"embeddable":true,"href":"https:\/\/www.yourbrokerrobert.com\/blog\/wp-json\/wp\/v2\/comments?post=11"}],"version-history":[{"count":0,"href":"https:\/\/www.yourbrokerrobert.com\/blog\/wp-json\/wp\/v2\/posts\/11\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.yourbrokerrobert.com\/blog\/wp-json\/wp\/v2\/media\/12"}],"wp:attachment":[{"href":"https:\/\/www.yourbrokerrobert.com\/blog\/wp-json\/wp\/v2\/media?parent=11"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.yourbrokerrobert.com\/blog\/wp-json\/wp\/v2\/categories?post=11"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.yourbrokerrobert.com\/blog\/wp-json\/wp\/v2\/tags?post=11"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}