But when you’re ready to shop for a mortgage, you may be surprised to find that the mortgage rate offered by your lender is slightly different than those advertised rates. That’s not a mistake: When the time comes to lock in your loan, banks use the specifics of your situation to set the actual rate you end up paying.
Here are the key factors they consider:
Now that you understand what affects your mortgage rate, you’ll be better equipped to understand whether the rate you’re being offered is right for your particular situation.
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