The more you put down toward your mortgage purchase, the better rate you'll generally be able to get. So crunch the numbers to see if there's any wiggle room to add additional funding to your down payment. on top of the already elevated interest rate.
While none of the above six strategies will magically cause 3% mortgage rates to reappear, they will still help you secure a lower mortgage rate than you otherwise would have been offered. So make sure to improve your credit score . Also do your due diligence by shopping for lenders. And consider both an adjustable-rate mortgage and the purchase of mortgage points. Finally, don't be afraid to lock in a rate now — and try to make as big a down payment as possible.
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