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The New Low Interest Rate Mortgages Few Know About

Getting a low interest rate on your mortgage is something homebuyers in 2023 dream about. With last year’s 4% rates still fresh in many investors’ minds, it can seem almost irresistible to try and get the lowest mortgage rate possible when buying a house. So, what if there was a way to lock in a mortgage rate two to three percent lower than the daily average, all paid for by the seller of your new property? It’s possible, and if you want to get it, you’ll need to listen closely to what today’s mortgage experts are saying. In this episode, we brought three lending experts, Bill Tessar from CIVIC, Christian Bachelder from The One Brokerage, and LendingOne’s Matt Neisser, to talk about what is happening with lending and lenders, mortgage rates, and low-interest loan programs. With different expertise, all three of these mortgage experts know about various loans, whether for a rental, a primary residence, a fix and flip, a BRRRR, or something else. But what draws them all together is their experience over the past six months. Once interest rates started to rise, lenders nationwide were “gutted,” with massive amounts of business flying out the door. But these borrowers weren’t searching for better lenders; they didn’t even want to buy anymore. This caused many mortgage brokers and lenders to “reset” their requirements, standards, and expectations for the next few years to come. Now, lenders like these are getting creative, finding some of the best ways to help you score a lower interest rate without charging you a dime. 00:00 Intro 01:47 Meet the Lenders! 04:54 How Rising Rates "Gutted" the Industry 13:02 Loans Are Starting to Change 21:25 New Low-Interest Loan Options 30:56 2023 Mortgage Rate Predictions 38:28 Advice for Borrowers 42:16 Connect with Our Lenders! 43:08 Mortgage Takeaways ~~~~ Join BiggerPockets for FREE 👇 https://www.biggerpockets.com/signup?... ~~~~ Listen to The “On The Market” Podcast Wherever You Listen to Podcasts: Spotify: https://open.spotify.com/show/2NlzZ9N... Apple Podcasts: https://podcasts.apple.com/us/podcast... BiggerPockets: https://www.biggerpockets.com/podcast... ~~~~ Join the Future of Real Estate Investing with Fundrise: https://www.fundrise.com/bpmarket ~~~~ Find an Investor-Friendly Agent in Your Area: https://www.biggerpockets.com/agent/m... ~~~~ Find Your Next Home Loan: https://www.biggerpockets.com/loans?u... ~~~~ Connect with Christian and Matt on BiggerPockets: Christian: https://www.biggerpockets.com/users/c... Matt: https://www.biggerpockets.com/users/m... ~~~~ Lender Websites: CIVIC: https://civicfs.com/ LendingOne: https://lendingone.com/ The One Brokerage: https://the1brokerage.com/ ~~~~ Connect with Dave and Our Panel of Guests: Dave Meyer: https://www.biggerpockets.com/users/d... Henry Washington: https://www.biggerpockets.com/users/h... James Dainard: https://www.biggerpockets.com/users/j... Jamil Damji: https://www.biggerpockets.com/users/j... Kathy Fettke: https://www.biggerpockets.com/users/k... ~~~~ Follow Dave and Our Guests on Instagram: Dave: @thedatadeli or   / thedatadeli   Henry: @thehenrywashington or   / thehenrywashington   James: @jdainflips or   / jdainflips   Jamil: @jdamji or   / jdamji   Kathy: @kathyfettke or   / kathyfettke   BiggerPockets: @biggerpockets or   / biggerpockets   Episode 72 Show notes at: https://www.biggerpockets.com/blog/on... #biggerpockets #onthemarket #onthemarket72