Why the Lowest Rate Doesn’t Always Win

Everyone wants a low interest rate — and I totally get it.

But chasing the “lowest rate” without a strategy? That’s where people get stuck (or worse, lose out entirely).

Here’s what I’ve seen behind the scenes:

• The lowest advertised rates often come with discount points

• Some lenders strip down service to cut cost — and blow up deals

• “Teaser” rates leave clients scrambling when the details catch up

• And most importantly: a low rate on the wrong loan can cost you more long-term

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✅ I’d rather help you win the deal

✅ Secure seller credits

✅ Get you in with less out of pocket

✅ And structure a smart plan you can refinance into a better deal later

A mortgage isn’t just a number — it’s a strategy. And smart beats cheap every time.

Let’s talk through what a winning offer looks like in this market… beyond just the rate.