06/18/2026
π‘ Waiting for rates to drop before you start looking?
You may be overlooking an important detail.
π While the standard 30-year fixed rate is around 6.49%, FHA and VA buyers are currently seeing lower rates:
β
FHA: 5.95%
β
VA: 5.97%
π 30-Year Fixed: 6.49%
That difference may not sound hugeβbut when it comes to your monthly payment, it can have a real impact on affordability.
The biggest mistake buyers make is focusing on headlines instead of numbers.
Here's what matters:
π° Your monthly payment
π‘ The loan program you're using
π€ Available seller concessions
π Which homes have room for negotiation
The best home-buying decisions happen when you compare optionsβnot when you guess.
Before you start touring homes, make sure you know what your payment could actually look like.
π© Message me "PAYMENT" and I'll help you compare your options and identify where buyers may have negotiating power.