{"id":104,"date":"2026-10-09T21:33:04","date_gmt":"2026-10-09T21:33:04","guid":{"rendered":"https:\/\/www.cynthiastarkshomes.com\/blog\/2026\/10\/09\/homebuyers-can-shape-their-mortgage-rate\/"},"modified":"2026-10-09T21:33:04","modified_gmt":"2026-10-09T21:33:04","slug":"homebuyers-can-shape-their-mortgage-rate","status":"publish","type":"post","link":"https:\/\/www.cynthiastarkshomes.com\/blog\/2026\/10\/09\/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\/cynthia-starks\/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>An analysis of 1.35M US purchase loans from Early-Q1 2023 through Late-Q4 2025 showed wide differences in borrower rates within the same month.<br \/>\nWithin a given month, the middle 80% of borrowers landed in a 93-basis-point range, equal to ~$28.4K in home price on $2K budgets.<br \/>\nCredit mattered most. Raising a score from the high 600s to 720 improved likely pricing, and the key thresholds to watch were 700 and 720.<br \/>\nComparison shopping offered the clearest immediate opportunity: within retail lending, a very competitive lender beat a typical one by 19 basis points, worth ~$5.8K.<br \/>\nReaching 20% down barely changed the rate, improving it by just 0.7 basis points; the bigger savings came from avoiding mortgage insurance.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>An analysis of 1.35M US purchase loans from Early-Q1 2023 through Late-Q4 2025 showed wide differences in borrower rates within the same month. Within a given month, the middle 80% of borrowers landed in a 93-basis-point range, equal to ~$28.4K in home price on $2K budgets. Credit mattered most. Raising a score from the high [&hellip;]<\/p>\n","protected":false},"author":100,"featured_media":105,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-104","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.cynthiastarkshomes.com\/blog\/wp-json\/wp\/v2\/posts\/104","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.cynthiastarkshomes.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.cynthiastarkshomes.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.cynthiastarkshomes.com\/blog\/wp-json\/wp\/v2\/users\/100"}],"replies":[{"embeddable":true,"href":"https:\/\/www.cynthiastarkshomes.com\/blog\/wp-json\/wp\/v2\/comments?post=104"}],"version-history":[{"count":0,"href":"https:\/\/www.cynthiastarkshomes.com\/blog\/wp-json\/wp\/v2\/posts\/104\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.cynthiastarkshomes.com\/blog\/wp-json\/wp\/v2\/media\/105"}],"wp:attachment":[{"href":"https:\/\/www.cynthiastarkshomes.com\/blog\/wp-json\/wp\/v2\/media?parent=104"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.cynthiastarkshomes.com\/blog\/wp-json\/wp\/v2\/categories?post=104"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.cynthiastarkshomes.com\/blog\/wp-json\/wp\/v2\/tags?post=104"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}