{"id":676,"date":"2026-02-21T10:00:00","date_gmt":"2026-02-21T10:00:00","guid":{"rendered":"https:\/\/www.mannmortgages.com\/blog\/?p=676"},"modified":"2026-02-21T10:00:00","modified_gmt":"2026-02-21T10:00:00","slug":"how-to-get-the-lowest-mortgage-rates-possible","status":"publish","type":"post","link":"https:\/\/www.mannmortgages.com\/blog\/?p=676","title":{"rendered":"How to get the lowest mortgage rates possible"},"content":{"rendered":"<div class=\"roomvu-news-container\">\n<p>To secure the lowest mortgage rates in 2026, improve your credit score, lower your debt-to-income ratio to 25% or less, and make a larger down payment. Consider buying discount points to reduce interest rates, explore temporary rate buydowns, and shop for adjustable-rate mortgages with lower introductory rates. Shorter loan terms offer lower rates but higher payments. Assumable mortgages may provide low rates if available. Refinancing is best when 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\/how-to-get-the-lowest-mortgage-rates-possible-in-8-steps-224601666.html\"><\/p>\n<div>Continue to full article<\/div>\n<p>\t<\/a><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>To secure the lowest mortgage rates in 2026, improve your credit score, lower your debt-to-income ratio to 25% or less, and make a larger down payment. Consider buying discount points to reduce interest rates, explore temporary rate buydowns, and shop for adjustable-rate mortgages with lower introductory rates. Shorter loan terms offer lower rates but higher [&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-676","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\/676","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=676"}],"version-history":[{"count":1,"href":"https:\/\/www.mannmortgages.com\/blog\/index.php?rest_route=\/wp\/v2\/posts\/676\/revisions"}],"predecessor-version":[{"id":678,"href":"https:\/\/www.mannmortgages.com\/blog\/index.php?rest_route=\/wp\/v2\/posts\/676\/revisions\/678"}],"wp:attachment":[{"href":"https:\/\/www.mannmortgages.com\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=676"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mannmortgages.com\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=676"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mannmortgages.com\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=676"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}