{"id":7071446,"date":"2026-10-01T14:27:25","date_gmt":"2026-10-01T14:27:25","guid":{"rendered":"https:\/\/fivemor.com\/?p=7071446"},"modified":"2026-10-01T14:27:25","modified_gmt":"2026-10-01T14:27:25","slug":"3-ways-homebuyers-can-beat-7-mortgage-rates-and-save-thousands","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=7071446","title":{"rendered":"3 Ways Homebuyers Can Beat 7% Mortgage Rates and Save Thousands"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">With <a target=\"_blank\" id=\"https:\/\/www.realtor.com\/news\/trends\/mortgage-rates-today-fed-rate-hike-september-24-2026\/\" type=\"link\" href=\"https:\/\/www.realtor.com\/news\/trends\/mortgage-rates-today-fed-rate-hike-september-24-2026\/\">mortgage rates crossing the 7% threshold<\/a> for the first time since January 2025, buyers are increasingly feeling the affordability squeeze, but there are concrete steps they can take to retain control over the actual rate they secure\u2014and potentially save tens of thousands of dollars.\u00a0 \u00a0<\/p>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">According to <a target=\"_blank\" id=\"realtor.com\" type=\"link\" href=\"http:\/\/realtor.com\">Realtor.com\u00ae<\/a> economists, headline averages mask widespread rate variation in any given month. <\/p>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">A <a target=\"_blank\" id=\"www.realtor.com\/research\/mortgage-rates-credit-score-down-payment-2026\/\" type=\"link\" href=\"http:\/\/www.realtor.com\/research\/mortgage-rates-credit-score-down-payment-2026\/\">new report from the Realtor.com team<\/a> shows how\u00a0individual borrower choices and financial profiles\u2014specifically involving credit scores, down payments, and mortgage lender selection\u2014determine where they land relative to the 7% headline rate.\u00a0<\/p>\n<p><iframe height=\"230px\" style=\"width:100%;border:0\" src=\"https:\/\/www.realtor.com\/creative\/rdc-ads\/local-listings-widget\/\" loading=\"lazy\" title=\"Embedded widget\"><\/iframe><\/p>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">The analysis ranks the primary factors dictating borrower rates based not only on their financial impact but also on the time it takes to make them actionable. For example, shopping for the right lender typically requires less time than boosting one&#8217;s credit score.\u00a0<\/p>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">According to <a target=\"_blank\" id=\"https:\/\/www.realtor.com\/research\/author\/jkrimmel\/\" type=\"link\" href=\"https:\/\/www.realtor.com\/research\/author\/jkrimmel\/\">Realtor.com senior economist <strong>Jake Krimmel<\/strong><\/a>, the study of\u00a02025 Freddie Mac loan data shows that mortgage rates varied by nearly a full percentage point around the 7% benchmark within a single month. \u00a0<\/p>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">While the median borrower lands right at the headline rate, the middle 80% of borrowers snag rates ranging from 6.50% to 7.43%\u2014a 93-basis-point (bps) gap. For perspective, that within-month spread is greater than the movement of headline rates across three months. \u00a0 \u00a0<\/p>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">For a homebuyer operating on a $2,000 monthly principal-and-interest budget, a difference of 93 bps translates to roughly $28,400 of purchasing power.\u00a0<\/p>\n<h2 class=\"base__StyledType-rui__sc-18muj27-0 eAPYSB\">How your credit score affects your mortgage rate<\/h2>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">When looking at credit score thresholds and their effects on mortgage rates, data shows that when holding all other conditions fixed, crossing the 700 mark translates to a 5.47 bps drop, while climbing the ladder past 720 delivers the largest single-rung rate benefit at 5.51 bps.\u00a0<\/p>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">The 740 benchmark shaves 4.91 bps off the rate, yet moving past 780 yields the smallest improvement of just 2.56 bps.<\/p>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">When examining the impact on a homebuyer\u2019s budget, boosting one\u2019s credit score from 680 to 720 saves 11 basis points, netting $3,200 in purchasing power. A full overhaul from below 640 to above 780 saves over 32 bps and adds $10,100 to the budget.<\/p>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">Krimmel points out that meaningfully improving the credit score could take time, but <strong>Sarah DeFlorio<\/strong>, vice president of mortgage banking at <a rel=\"noreferrer noopener\" target=\"_blank\" id=\"https:\/\/www.raveis.com\/mortgage\/\" type=\"link\" href=\"https:\/\/www.raveis.com\/mortgage\/\">William Raveis Mortgage<\/a>, argues that it&#8217;s worth the effort.<\/p>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">&#8220;Focusing on keeping a good credit score will provide the best benefit for getting a better rate and mortgage terms overall,&#8221; DeFlorio tells Realtor.com. <\/p>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\"><strong>Audi Garner<\/strong>, founder of <a rel=\"noreferrer noopener\" target=\"_blank\" id=\"https:\/\/helocpedia.com\/\" type=\"link\" href=\"https:\/\/helocpedia.com\/\">HELOCpedia<\/a> specializing in home equity loans, agrees. <\/p>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">&#8220;Credit usually moves the needle first,&#8221; he tells Realtor.com. &#8220;Pricing is tiered, so going from a 700 to a 740 score can improve the rate or cut points more than adding a few percent to the down payment. Once the score is in a top tier, extra cash does the most work when it gets the buyer to a threshold.&#8221;<\/p>\n<h2 class=\"base__StyledType-rui__sc-18muj27-0 eAPYSB\">How your down payment affects your mortgage rate<\/h2>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">Similarly to credit scores, down payments influence rates through specific tiers and milestones. Crossing the 10% down threshold provides the greatest rate benefit below 20%, shaving 5.5 bps off the borrowing rate.\u00a0<\/p>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">Contrary to popular belief, Krimmel notes that the 20% benchmark on its own is not a magic number. Going from 15%-19% to 20% down is worth just 0.7 bps, yet the 1 percentage point movement eliminates private mortgage insurance, driving down monthly out-of-pocket costs. \u00a0<\/p>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">Between 10% and 20% the rate hardly moves, but\u00a0borrowers should keep in mind that private mortgage insurance is more expensive at lower down payment levels.\u00a0\u00a0<\/p>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">Past 20%, meaningful rate reductions scale up to 35% down at 5-point increments before flattening.\u00a0For example, a down payment in the 21%-24% range is worth 6.7 bps, while at 35%-39%, the mortgage rate shrinks by just 1 basis point.<\/p>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">&#8220;A 12% down payment isn\u2019t going to lower rates more than a 10% down payment,&#8221; confirms <strong>Andy Restrepo<\/strong> with <a rel=\"noreferrer noopener\" target=\"_blank\" id=\"https:\/\/admortgage.com\/\" type=\"link\" href=\"https:\/\/admortgage.com\/\">A&amp;D Mortgage LLC<\/a>. &#8220;So if you have 12% to put down, put down 10% and use the other 2% to pay off debt. You will get the same pricing for the down payment and may increase your credit score paying down debt, which could then improve your pricing even more.&#8221;<\/p>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">Overall, moving from 20% to 40%-plus down lowers the mortgage rate by 17.5 bps, which translates to roughly $5,400 in purchasing power on a $2,000 monthly budget.<\/p>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">&#8220;Making a large down payment is always helpful, as it reduces the amount you are borrowing to bring down monthly payments, but unless you are making a very significant 30% to 40%, you are unlikely to see huge changes on the rate end,&#8221; says DeFlorio.<\/p>\n<h2 class=\"base__StyledType-rui__sc-18muj27-0 eAPYSB\">Shopping for mortgage lenders<\/h2>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">While the credit score and down payment levers can be highly effective in lowering mortgage rates and delivering savings, their major downside is that they can take years to plan and execute.<\/p>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">Selecting the right lender, however, offers immediate returns, which is crucial once the buyer has set their sights on a home and time is of the essence in a fast-moving, high-rate market.\u00a0The report highlights three types of lenders: a retail lender, a correspondent lender, and a broker.\u00a0<\/p>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">A retail lender is typically a financial institution that makes the loan and which the borrower deals with directly.<\/p>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">A correspondent lender tends to be a smaller local financial ffirm that underwrites and funds the loan and then sells it to a larger institution.<\/p>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">A mortgage broker does no funding of their own and instead acts on the borrower&#8217;s behalf to find a wholesale lender to underwrite and fund the mortgage.\u00a0<\/p>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">Based on 2025 data, brokers and correspondent lenders generally priced 5 to 6 bps lower than traditional retail lenders.<\/p>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">Switching from a typical retail lender that originates a mortgage 2.1 bps above the headline rate to a top competitive lender that originates 17 bps below the average can save 19 bps and net $5,800 in purchasing power.\u00a0<\/p>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">This one change results in double the rate benefit of boosting a credit score from 690 to 720, and without the long wait. <\/p>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">&#8220;It is always in your best interest to work with a mortgage broker who has access to many different investors and lenders and is not beholden to a single set of guidelines,&#8221; says DeFlorio. &#8220;Make sure you find someone you like and trust who is also considering your specific needs rather than just trying to sell the lowest rate.&#8221;<\/p>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">However, she advises against chasing low rates blindly. <\/p>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">&#8220;If I know a client has a tight closing timeline, then I would not necessarily take them to the lender with the lowest rates,&#8221; explains DeFlorio. &#8220;Why? Because those banks are totally slammed with applications, and slow turn times could kill the deal and cause a lot of frustration.&#8221;<\/p>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">Echoing DeFlorio, Restrepo also emphasises the benefits of choosing a lender or mortgage broker with access to numerous investors.<\/p>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">&#8220;Since they have multiple investors they work with, they generally have a wide variety of programs and terms that can help borrowers get the best deal for their situation,&#8221; he says. <\/p>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">Restrepo also notes that terms, rates, and available programs are not universal, which is why it is important to shop multiple lenders to find the best option.<\/p>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">Beyond credit scores, down payment amounts, and lender selections, Restrepo argues that finding the right home often outweighs other considerations. <\/p>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">&#8220;Rates go up and down, the rate and associated payment might not be exactly what you are looking for today,&#8221; he says. &#8220;But the house you want may not exist or be at your price point when rates eventually come down. If you can afford it, I\u2019d rather purchase now and know I have the property. It is highly likely you\u2019ll have an opportunity to refinance into a lower rate in the future.&#8221;<\/p>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>With mortgage rates crossing the 7% threshold for the first time since January 2025, buyers are increasingly feeling the affordability squeeze, but there are concrete steps they can take to retain control over the actual rate they secure\u2014and potentially save tens of thousands of dollars.\u00a0 \u00a0 According to Realtor.com\u00ae economists, headline averages mask widespread rate [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":7071447,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[232449,174080,174081,222413,225679,169128,190384,100925,174088,190385,99386],"tags":[5868,21875,174089,174090,64960,225680,21544,22052,11008,190388,190389,174095,11291,7182,174096,11380,1236,8023],"dealstore":[],"offerexpiration":[],"class_list":["post-7071446","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-scores","category-daily-email","category-data-journalism","category-down-payment","category-higher-mortgage-rates","category-homebuying","category-mortgage-lenders","category-mortgage-rates","category-push-notification","category-slot-01","category-trends","tag-beat","tag-credit-scores","tag-daily-email","tag-data-journalism","tag-down-payment","tag-higher-mortgage-rates","tag-homebuyers","tag-homebuying","tag-mortgage","tag-mortgage-lenders","tag-mortgage-rates","tag-push-notification","tag-rates","tag-save","tag-slot-01","tag-thousands","tag-video","tag-ways"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>3 Ways Homebuyers Can Beat 7% Mortgage Rates and Save Thousands - Som2ny Network<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fivemor.com\/?p=7071446\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"3 Ways Homebuyers Can Beat 7% Mortgage Rates and Save Thousands - Som2ny Network\" \/>\n<meta property=\"og:description\" content=\"With mortgage rates crossing the 7% threshold for the first time since January 2025, buyers are increasingly feeling the affordability squeeze, but there are concrete steps they can take to retain control over the actual rate they secure\u2014and potentially save tens of thousands of dollars.\u00a0 \u00a0 According to Realtor.com\u00ae economists, headline averages mask widespread rate [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/fivemor.com\/?p=7071446\" \/>\n<meta property=\"og:site_name\" content=\"Som2ny Network\" \/>\n<meta property=\"article:published_time\" content=\"2026-10-01T14:27:25+00:00\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/fivemor.com\/?p=7071446#article\",\"isPartOf\":{\"@id\":\"https:\/\/fivemor.com\/?p=7071446\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\/\/fivemor.com\/#\/schema\/person\/b85e3c3dc0e1daea076524dc8810c371\"},\"headline\":\"3 Ways Homebuyers Can Beat 7% Mortgage Rates and Save Thousands\",\"datePublished\":\"2026-10-01T14:27:25+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/fivemor.com\/?p=7071446\"},\"wordCount\":1256,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/fivemor.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/fivemor.com\/?p=7071446#primaryimage\"},\"thumbnailUrl\":\"https:\/\/fivemor.com\/wp-content\/uploads\/2026\/10\/de07bf386cbcc21eaa4abb3f1add7275w-c2243922804srd_w1200_q80.jpg\",\"keywords\":[\"Beat\",\"credit scores\",\"Daily Email\",\"Data Journalism\",\"Down Payment\",\"Higher Mortgage Rates\",\"Homebuyers\",\"Homebuying\",\"mortgage\",\"Mortgage Lenders\",\"Mortgage Rates\",\"Push Notification\",\"Rates\",\"Save\",\"Slot 01\",\"Thousands\",\"Video\",\"Ways\"],\"articleSection\":[\"Credit Scores\",\"Daily Email\",\"Data Journalism\",\"Down Payment\",\"Higher Mortgage Rates\",\"Homebuying\",\"Mortgage Lenders\",\"Mortgage Rates\",\"Push Notification\",\"Slot 01\",\"trends\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/fivemor.com\/?p=7071446#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/fivemor.com\/?p=7071446\",\"url\":\"https:\/\/fivemor.com\/?p=7071446\",\"name\":\"3 Ways Homebuyers Can Beat 7% Mortgage Rates and Save Thousands - Som2ny Network\",\"isPartOf\":{\"@id\":\"https:\/\/fivemor.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/fivemor.com\/?p=7071446#primaryimage\"},\"image\":{\"@id\":\"https:\/\/fivemor.com\/?p=7071446#primaryimage\"},\"thumbnailUrl\":\"https:\/\/fivemor.com\/wp-content\/uploads\/2026\/10\/de07bf386cbcc21eaa4abb3f1add7275w-c2243922804srd_w1200_q80.jpg\",\"datePublished\":\"2026-10-01T14:27:25+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/fivemor.com\/?p=7071446#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/fivemor.com\/?p=7071446\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/fivemor.com\/?p=7071446#primaryimage\",\"url\":\"https:\/\/fivemor.com\/wp-content\/uploads\/2026\/10\/de07bf386cbcc21eaa4abb3f1add7275w-c2243922804srd_w1200_q80.jpg\",\"contentUrl\":\"https:\/\/fivemor.com\/wp-content\/uploads\/2026\/10\/de07bf386cbcc21eaa4abb3f1add7275w-c2243922804srd_w1200_q80.jpg\",\"width\":1200,\"height\":675},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/fivemor.com\/?p=7071446#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/fivemor.com\/?bp_activities=1\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"3 Ways Homebuyers Can Beat 7% Mortgage Rates and Save Thousands\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/fivemor.com\/#website\",\"url\":\"https:\/\/fivemor.com\/\",\"name\":\"Som2ny Network\",\"description\":\"Daily Deals\",\"publisher\":{\"@id\":\"https:\/\/fivemor.com\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/fivemor.com\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/fivemor.com\/#organization\",\"name\":\"Som2ny Network\",\"url\":\"https:\/\/fivemor.com\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/fivemor.com\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/fivemor.com\/wp-content\/uploads\/2026\/07\/4a0953c4-logo-300x86-1.png\",\"contentUrl\":\"https:\/\/fivemor.com\/wp-content\/uploads\/2026\/07\/4a0953c4-logo-300x86-1.png\",\"width\":300,\"height\":86,\"caption\":\"Som2ny Network\"},\"image\":{\"@id\":\"https:\/\/fivemor.com\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/fivemor.com\/#\/schema\/person\/b85e3c3dc0e1daea076524dc8810c371\",\"name\":\"admin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/fivemor.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/729ae85bf62b9917e93538db2f2688ca?s=96&r=g&default=https%3A%2F%2Ffivemor.com%2Fwp-content%2Fplugins%2Fbuddypress-first-letter-avatar%2Fimages%2Fdefault%2F96%2Flatin_a.png\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/729ae85bf62b9917e93538db2f2688ca?s=96&r=g&default=https%3A%2F%2Ffivemor.com%2Fwp-content%2Fplugins%2Fbuddypress-first-letter-avatar%2Fimages%2Fdefault%2F96%2Flatin_a.png\",\"caption\":\"admin\"},\"sameAs\":[\"https:\/\/fivemor.com\"],\"url\":\"https:\/\/fivemor.com\/?author=1\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"3 Ways Homebuyers Can Beat 7% Mortgage Rates and Save Thousands - Som2ny Network","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/fivemor.com\/?p=7071446","og_locale":"en_US","og_type":"article","og_title":"3 Ways Homebuyers Can Beat 7% Mortgage Rates and Save Thousands - Som2ny Network","og_description":"With mortgage rates crossing the 7% threshold for the first time since January 2025, buyers are increasingly feeling the affordability squeeze, but there are concrete steps they can take to retain control over the actual rate they secure\u2014and potentially save tens of thousands of dollars.\u00a0 \u00a0 According to Realtor.com\u00ae economists, headline averages mask widespread rate [&hellip;]","og_url":"https:\/\/fivemor.com\/?p=7071446","og_site_name":"Som2ny Network","article_published_time":"2026-10-01T14:27:25+00:00","author":"admin","twitter_card":"summary_large_image","twitter_misc":{"Written by":"admin","Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/fivemor.com\/?p=7071446#article","isPartOf":{"@id":"https:\/\/fivemor.com\/?p=7071446"},"author":{"name":"admin","@id":"https:\/\/fivemor.com\/#\/schema\/person\/b85e3c3dc0e1daea076524dc8810c371"},"headline":"3 Ways Homebuyers Can Beat 7% Mortgage Rates and Save Thousands","datePublished":"2026-10-01T14:27:25+00:00","mainEntityOfPage":{"@id":"https:\/\/fivemor.com\/?p=7071446"},"wordCount":1256,"commentCount":0,"publisher":{"@id":"https:\/\/fivemor.com\/#organization"},"image":{"@id":"https:\/\/fivemor.com\/?p=7071446#primaryimage"},"thumbnailUrl":"https:\/\/fivemor.com\/wp-content\/uploads\/2026\/10\/de07bf386cbcc21eaa4abb3f1add7275w-c2243922804srd_w1200_q80.jpg","keywords":["Beat","credit scores","Daily Email","Data Journalism","Down Payment","Higher Mortgage Rates","Homebuyers","Homebuying","mortgage","Mortgage Lenders","Mortgage Rates","Push Notification","Rates","Save","Slot 01","Thousands","Video","Ways"],"articleSection":["Credit Scores","Daily Email","Data Journalism","Down Payment","Higher Mortgage Rates","Homebuying","Mortgage Lenders","Mortgage Rates","Push Notification","Slot 01","trends"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/fivemor.com\/?p=7071446#respond"]}]},{"@type":"WebPage","@id":"https:\/\/fivemor.com\/?p=7071446","url":"https:\/\/fivemor.com\/?p=7071446","name":"3 Ways Homebuyers Can Beat 7% Mortgage Rates and Save Thousands - Som2ny Network","isPartOf":{"@id":"https:\/\/fivemor.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/fivemor.com\/?p=7071446#primaryimage"},"image":{"@id":"https:\/\/fivemor.com\/?p=7071446#primaryimage"},"thumbnailUrl":"https:\/\/fivemor.com\/wp-content\/uploads\/2026\/10\/de07bf386cbcc21eaa4abb3f1add7275w-c2243922804srd_w1200_q80.jpg","datePublished":"2026-10-01T14:27:25+00:00","breadcrumb":{"@id":"https:\/\/fivemor.com\/?p=7071446#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/fivemor.com\/?p=7071446"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/fivemor.com\/?p=7071446#primaryimage","url":"https:\/\/fivemor.com\/wp-content\/uploads\/2026\/10\/de07bf386cbcc21eaa4abb3f1add7275w-c2243922804srd_w1200_q80.jpg","contentUrl":"https:\/\/fivemor.com\/wp-content\/uploads\/2026\/10\/de07bf386cbcc21eaa4abb3f1add7275w-c2243922804srd_w1200_q80.jpg","width":1200,"height":675},{"@type":"BreadcrumbList","@id":"https:\/\/fivemor.com\/?p=7071446#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/fivemor.com\/?bp_activities=1"},{"@type":"ListItem","position":2,"name":"3 Ways Homebuyers Can Beat 7% Mortgage Rates and Save Thousands"}]},{"@type":"WebSite","@id":"https:\/\/fivemor.com\/#website","url":"https:\/\/fivemor.com\/","name":"Som2ny Network","description":"Daily Deals","publisher":{"@id":"https:\/\/fivemor.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/fivemor.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/fivemor.com\/#organization","name":"Som2ny Network","url":"https:\/\/fivemor.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/fivemor.com\/#\/schema\/logo\/image\/","url":"https:\/\/fivemor.com\/wp-content\/uploads\/2026\/07\/4a0953c4-logo-300x86-1.png","contentUrl":"https:\/\/fivemor.com\/wp-content\/uploads\/2026\/07\/4a0953c4-logo-300x86-1.png","width":300,"height":86,"caption":"Som2ny Network"},"image":{"@id":"https:\/\/fivemor.com\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/fivemor.com\/#\/schema\/person\/b85e3c3dc0e1daea076524dc8810c371","name":"admin","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/fivemor.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/729ae85bf62b9917e93538db2f2688ca?s=96&r=g&default=https%3A%2F%2Ffivemor.com%2Fwp-content%2Fplugins%2Fbuddypress-first-letter-avatar%2Fimages%2Fdefault%2F96%2Flatin_a.png","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/729ae85bf62b9917e93538db2f2688ca?s=96&r=g&default=https%3A%2F%2Ffivemor.com%2Fwp-content%2Fplugins%2Fbuddypress-first-letter-avatar%2Fimages%2Fdefault%2F96%2Flatin_a.png","caption":"admin"},"sameAs":["https:\/\/fivemor.com"],"url":"https:\/\/fivemor.com\/?author=1"}]}},"_links":{"self":[{"href":"https:\/\/fivemor.com\/index.php?rest_route=\/wp\/v2\/posts\/7071446","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fivemor.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/fivemor.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/fivemor.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/fivemor.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=7071446"}],"version-history":[{"count":0,"href":"https:\/\/fivemor.com\/index.php?rest_route=\/wp\/v2\/posts\/7071446\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fivemor.com\/index.php?rest_route=\/wp\/v2\/media\/7071447"}],"wp:attachment":[{"href":"https:\/\/fivemor.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=7071446"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fivemor.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=7071446"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fivemor.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=7071446"},{"taxonomy":"dealstore","embeddable":true,"href":"https:\/\/fivemor.com\/index.php?rest_route=%2Fwp%2Fv2%2Fdealstore&post=7071446"},{"taxonomy":"offerexpiration","embeddable":true,"href":"https:\/\/fivemor.com\/index.php?rest_route=%2Fwp%2Fv2%2Fofferexpiration&post=7071446"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}