Mortgage Insights: Rates Are Moving… What Should You Do?
Your Money Matters Radio Show: 9/1/26 – on this episode, I dove into one of the biggest questions I’m getting right now—what’s really going on with interest rates? 
The reality is… rates have been on a bit of a rollercoaster 
—and I expect that to continue for the next 12–18 months.
So instead of trying to perfectly time the market, we talked about what really matters when making a move.
Here are a few highlights from today’s show:
- What actually drives mortgage rates (hint: it’s not just the Fed!)
- Why the housing market plays a major role in the overall economy
- The key question you should be asking: “Where does the rate need to be for MY situation?”
- How to determine what you can truly afford (and avoid becoming “mortgage poor”)
- Why your total payment—not just rate—matters most (PITI + possible HOA)
- How your credit score, loan type, and financial profile all impact your rate
- Why even a small credit score improvement can save you thousands over time
We also touched on smart planning strategies—like understanding closing costs, down payment options (as low as 3%), and how much equity you may be able to access in a refinance.
And of course, we covered the importance of getting properly pre-approved so you can make confident, informed decisions in today’s market.
Bottom line: Don’t get stuck chasing rates, focus on what works best for your financial goals right now.
Listen to the full 9/1/26 episode here: https://www.haystackhelpradio.com/wp-content/uploads/2026/09/Haystack-09-01-26-REPEAT-Your-Money-Matters-Mortgage-Insights.mp3
Tune in every Tuesday from Noon–12:30 PM on KLZ 560AM for Your Money Matters.
With gratitude,
Kurt Rogers
Managing Broker | Affordable Interest Mortgage
(720) 895-0500 | 
www.aimortgage.net
NMLS #217147 | IMB #2191655
Equal Opportunity Lender | Regulated by the Division of Real Estate
