Housing affordability is low, but there are a few strategies you can use to help reduce the costs.
if you have extra funds available at the time of purchase or refinance. With mortgage points, you pay a percentage of the loan amount upfront in exchange for a lower interest rate. While this requires an initial investment, it can result in long-term savings on interest costs.
In a high-rate environment, opting for a shorter loan term may help you lock in a lower rate and pay off your mortgage faster, ultimately reducing your total interest costs.plays a vital role in determining the interest rate you qualify for. A higher credit score can help you secure a more favorable rate, even in a high-rate environment.
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