Why Most People Don't Get The Best Mortgage Rate-And How To Fix It скачать в хорошем качестве

Why Most People Don't Get The Best Mortgage Rate-And How To Fix It

Most people hear the “average mortgage rate” on the news and assume that’s the rate they should expect. But the truth is, that number is built around a very specific borrower profile — and even small differences in credit score, debt, or loan structure can move your rate higher or lower. In this video, I break down why most people don’t get the best mortgage rate and what you can actually do about it. We’ll cover: • What the national average mortgage rate really assumes • Why consumer credit scores like Credit Karma don’t match mortgage scores • How lenders actually price risk on mortgage loans • Why randomly paying off debt can hurt more than help • A $300,000 loan example showing how just 0.125% difference in rate can save thousands • Why starting early can improve your mortgage strategy Even a small change in your financial profile can mean thousands of dollars saved over time — but those improvements often take weeks or months, not days. If you’re planning to buy or refinance in the future, understanding this early can make a big difference. 📄 FREE CREDIT OPTIMIZATION CHECKLIST If you’d like a copy of my Credit Optimization Checklist, reach out and I’ll send it to you. It explains: • Which debts actually improve your credit score • Which ones don’t matter at all for mortgage approval • Why consumer scores can mislead mortgage planning • How to avoid wasting money paying off the wrong things 📱 Text is fastest: 618-795-0790 📧 Email: DShoemaker@hfmloans.com No pressure, no cost — just good information so you can make smarter decisions early. Connect with the Shoemaker Loan Team 🌐 Website www.ShoemakerLoanTeam.com 📘 Facebook   / shoemakerloanteam   📷 Instagram   / shoemakerloanteam   💼 LinkedIn   / dougshoemaker   📊 Free Monthly Market Report For Your Personal Home https://lstrep.co/3K8vtar_6 About Doug Shoemaker Doug Shoemaker is a mortgage loan originator with over 20 years of experience helping buyers, homeowners, and real estate professionals understand the mortgage process and build smarter financing strategies. Licensed in Illinois, Missouri, and Florida, Doug focuses on education-first lending, helping clients make confident financial decisions long before they apply. Compliance Disclaimer The information provided by Homestead Financial Mortgage is for educational purposes only. Products and interest rates are subject to change at any time due to fluctuating market conditions. Actual rates may vary based on factors such as credit score, down payment, loan type, and documentation provided. Homestead Financial Mortgage 14897 Clayton Road, Chesterfield, MO 63017 NMLS# 222524 Doug Shoemaker NMLS# 488878 Homestead Financial Mortgage is an Equal Housing Lender For licensing information, go to: www.nmlsconsumeraccess.org