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Homebuyers: You’re Looking at the Wrong Metrics — and Most Mortgage Originators Aren’t Getting It Either — Because There’s More to a Good Plan Than Just Rate and Fees https://www.mycore7.com/blog/5

There’s never been more information online — and that’s not always a good thing. Today, homebuyers can Google anything about mortgages, rates, or “best loan programs.” But here’s the problem: when you don’t work in this business every day, it’s almost impossible to tell what applies to *you* and what doesn’t. You’ll see posts about “how to avoid PMI,” “how to get the lowest rate,” or “why you should wait for rates to drop.” But most of that advice is written for clicks, not accuracy. Every buyer’s situation is unique — income, debts, credit, goals, family needs, tax impact — and that changes everything. Reading a few online articles doesn’t replace years of experience or a real plan built for your life. It’s like reading about surgery online and then trying to perform one on yourself. The information might be out there — but without context, it can do more harm than good. When you work with a trusted mortgage professional and a full team who looks at your whole picture, you get real advice — not random opinions. If you want to buy a home, remember this: information is free, but wisdom is earned.

📊 Today’s Mortgage Rate UpdateSource: Optimal Blue | National averages | For informational purposes onlyRates may include options with or without discount points. Actual pricing varies based on credit, LTV, and loan type. 📅 TODAY’S RATES - 30‑YR. Conforming: 6.256% (▲ 0.040%)30‑day range: 6.170% – 6.345% - 30‑YR. Jumbo: 6.428% (△ 0.191%)30‑day range: 6.422% – 6.669% - 30‑YR. FHA: 6.165% (△ 0.063%)30‑day range: 5.981% – 6.165% - 30‑YR. VA: 5.836% (△ 0.038%)30‑day range: 5.676% – 5.950% - 30‑YR. USDA: 6.192% (no “triangle” given)30‑day range: 5.912% – 6.238% - 15‑YR. Conforming: 5.442% (△ 0.139%)30‑day range: 5.357% – 5.604% 📈 Market Commentary – What May Have Moved Rates - Mortgage-backed securities (MBS) saw some underperformance, as investors demanded higher yields, which tends to push mortgage rates up. - In the broader bond market, the 10-year Treasury yield nudged upward, putting additional upward pressure on borrowing costs. - Ongoing inflation and economic data (employment, PMI, consumer spending) are influencing investor expectations of future Fed policy, which in turn affects rate direction. - Observers also note that spreads between mortgage rates and Treasury yields remain wide — meaning that even if Treasuries ease, mortgage rates may not fall as much. 🔍 Reminder:These are national averages for illustration only. Your actual interest rate will depend on credit score, down payment (or LTV), loan program, and property details.

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