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Actualización del mercado hipotecario
Melissa Leon Diaz
Melissa Leon Diaz
miércoles, 2 de septiembre de 2026
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When should you lock your mortgage rate? |
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Timing matters when you're securing a mortgage. This week I want to walk you through one of the most important decisions in the lending process.
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Tasas hipotecarias nacionales · 27 de agosto de 2026
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Fuente: Freddie Mac PMMS y Optimal Blue vía FRED
Las tasas mostradas son promedios nacionales y se ofrecen solo con fines informativos. Las tasas reales varían según el perfil crediticio, el monto del préstamo y las condiciones del mercado. Contáctenos para una cotización personalizada.
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Smart Money
Why your rate lock timing matters more than you think
When you're in the mortgage process, one of the biggest decisions you'll make is when to lock in your interest rate. Lock it too early and you might miss a favorable rate move. Wait too long and rates could climb, costing you thousands over the life of your loan. The truth is there's no perfect crystal ball—but understanding how rate locks work and what triggers your lender to recommend one can help you make a confident decision. I often walk clients through their timeline and market conditions to help them time that lock strategically. If you're considering a purchase or refinance, let's talk about what makes sense for your situation. Reach out and we can discuss the right locking strategy for your timeline.
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Consejo de la semana
Your mortgage interest may be tax-deductible if you itemize. Check with your tax professional to see if it benefits you.
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Consejos para propietarios
Understanding Mortgage Points
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1.
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One mortgage point equals 1% of your loan amount. Paying points ("buying down the rate") reduces your interest rate — typically 0.25% per point, though this varies by lender and market.
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2.
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Calculate your break-even: divide the cost of the points by your monthly savings. If it takes 4 years to break even and you plan to stay 10 years, buying points makes sense.
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3.
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Points paid on a home purchase are generally tax-deductible in the year paid (if you itemize). Points on a refinance must be deducted over the life of the loan.
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Have questions about how any of this affects your mortgage or home purchase? We're here to help — reach out to the Melissa Leon Diaz team any time and we'll walk you through your options. |
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