Your mortgage rate isn’t random—it’s shaped by economic forces, lenders’ costs, and risk factors.
Lenders borrow money too—your rate mostly depends on what it costs them to borrow.
What Really Drives Your Mortgage Rate Up

Your mortgage rate isn’t random—it’s shaped by economic forces, lenders’ costs, and risk factors.
Lenders borrow money too—your rate mostly depends on what it costs them to borrow.
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