{"id":649,"date":"2026-02-14T09:00:00","date_gmt":"2026-02-14T09:00:00","guid":{"rendered":"https:\/\/www.mannmortgages.com\/blog\/?p=649"},"modified":"2026-02-14T09:00:00","modified_gmt":"2026-02-14T09:00:00","slug":"strategies-for-getting-the-lowest-mortgage-rate-possible-in-2026","status":"publish","type":"post","link":"https:\/\/www.mannmortgages.com\/blog\/?p=649","title":{"rendered":"Strategies for getting the lowest mortgage rate possible in 2026"},"content":{"rendered":"<div class=\"roomvu-news-container\">\n<p>Mortgage rates in 2026 are lower than in early 2025, but securing the best rate requires strategy. Key tips include boosting your credit score, lowering your debt-to-income ratio to 25% or less, making a larger down payment, and buying discount points to reduce interest rates. Consider temporary rate buydowns, adjustable-rate mortgages, shorter loan terms, or assumable mortgages. Refinancing may be beneficial if rates drop 1-2% below your current rate.<\/p>\n<p>\t<a class=\"roomvu-news-continue\" href=\"https:\/\/finance.yahoo.com\/personal-finance\/mortgages\/article\/8-strategies-for-getting-the-lowest-mortgage-rate-possible-in-2026-224601956.html\"><\/p>\n<div>Continue to full article<\/div>\n<p>\t<\/a><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Mortgage rates in 2026 are lower than in early 2025, but securing the best rate requires strategy. Key tips include boosting your credit score, lowering your debt-to-income ratio to 25% or less, making a larger down payment, and buying discount points to reduce interest rates. Consider temporary rate buydowns, adjustable-rate mortgages, shorter loan terms, or [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-649","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/www.mannmortgages.com\/blog\/index.php?rest_route=\/wp\/v2\/posts\/649","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.mannmortgages.com\/blog\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.mannmortgages.com\/blog\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.mannmortgages.com\/blog\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.mannmortgages.com\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=649"}],"version-history":[{"count":1,"href":"https:\/\/www.mannmortgages.com\/blog\/index.php?rest_route=\/wp\/v2\/posts\/649\/revisions"}],"predecessor-version":[{"id":651,"href":"https:\/\/www.mannmortgages.com\/blog\/index.php?rest_route=\/wp\/v2\/posts\/649\/revisions\/651"}],"wp:attachment":[{"href":"https:\/\/www.mannmortgages.com\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=649"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mannmortgages.com\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=649"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mannmortgages.com\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=649"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}