Mortgage Insights – Fresh Rate Drop Alert — Your Next Move Could Save Thousands!
PODCAST: Catch the full 12/16/25 radio show episode here
In this week’s 12/16/25 episode of the Your Money Matters Radio show on KLZ 560AM, I have some breaking news…I’m excited to share that mortgage rates have dipped by about 0.25% to 0.375%, and some of my lenders believe the Fed could cut rates again soon…possibly by 0.25% or even 0.50%!
Here’s what you need to know:
Why the Lowest Rate Isn’t Always the Best
The lowest advertised rate might sound great, but it can come with high upfront costs, steep discount points, or the wrong loan program. Always check the APR to compare the true cost of the loan.
Should You Consider a 2/1 Buydown?
This can lower your payment for the first two years, and sellers are often willing to cover the cost. But if rates are likely to keep dropping, seller concessions might be better used to lower your permanent rate.
How to Get the Best Rate Possible
Your FICO score, loan-to-value ratio, and property type all play a big role. Single-family homes often get better pricing than condos or multi-units, and higher credit scores can mean lower rates.
Why Work with a Broker Instead of a Bank
Banks are limited to their own programs. As a broker, I have access to dozens of lenders competing for your business, which means more loan options, better rates, and more flexibility, and I work for YOU, not the bank.
Before You Start House Hunting
Get pre-approved (not just pre-qualified). It’s free, good for 90 days, and gives you the buying power to move quickly when you find “the one.”
Right Now Is a Buyer’s Market
Homes are staying on the market longer, sellers are more willing to negotiate, inventory is up, and rates are trending down. Opportunity is knocking!
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
