Rates Are Coming Down… NOW WHAT? 
Mortgage Decisions That Actually Matter 
Hello friends, Kurt Rogers here 
Managing Broker at Affordable Interest Mortgage.
Rates are starting to decline… so NOW WHAT?
Here’s the truth: rates will come down — but not back to 2022 levels. According to the Fed, we may not see 30-year fixed rates around 5.5% until late 2026. So waiting without a plan can actually cost you thousands.
Before making any move, I always ask clients to start here 
What’s your goal? How much does your payment need to drop? Do you want to eliminate mortgage insurance? Do you need cash out for home improvements or debt consolidation?
Why Refinancing NOW Can Make Sense
Many homeowners are shocked to learn that refinancing a 3–4% mortgage into a higher rate can still save $800–$1,000+ per month when high-interest debt is included.
Real-world example:
• Mortgage: $450,000 @ 4% → $2,143/month
• Credit card debt: $40,000 → ~$1,800/month
• Total monthly obligation: $3,943
By consolidating that debt into a refinance at ~6%, the new payment could be around $2,937/month — a $1,006 monthly savings 
Apply part of that savings to the mortgage and shorten your loan by years Improve your credit score Gain breathing room Avoid tens of thousands in future interest
So… Should You Wait?
If rates drop another 0.5%, that may only equal about $150/month in savings — but waiting could cost you $1,000 per month right now, plus reduce future cash-out options if values soften.
That’s why the better questions are:
How much can I lower my total monthly debt today? What’s my break-even point? Can I afford to wait another 6–10 months?
Other Powerful Refinance Options You May Not Know About FHA & VA Streamline / IRRRL loans
• No appraisal
• No income documentation
• Lower fees
• Skip 1–2 payments
• Savings often start at $125–$300+ per month
• Can be repeated each time rates drop ~0.5%
Loans Beyond the “Standard Box”
Not every borrower fits conventional guidelines — and that’s okay.
I help clients with:
Bank Statement Loans (self-employed, no personal income required) DSCR Loans for investment properties Asset Depletion Programs Rehab Loans (up to $75,000, based on future value) Bridge Loans (buy before you sell) Reverse Mortgages & Second-Position Equity Options
– Access equity
– No monthly payments in many cases
– Common myths debunked every day
The bottom line? 
This market isn’t about chasing the lowest rate. It’s about lowering your total monthly obligation and improving your financial stability.
At Affordable Interest Mortgage, I shop across 46 top lenders to find the right solution for your goals, not a one-size-fits-all answer.
Be sure and tune in to the Your Money Matters Radio Show Tuesdays at Noon-12:30 PM on 560AM KLZ.
With appreciation,
Kurt Rogers
Managing Broker, Affordable Interest Mortgage
(720) 895-0500
https://www.aimortgage.net
NMLS #217147 | IMB #2191655 | Equal Opportunity Lender | Regulated by the Division of Real Estate
