Strategies for getting the lowest mortgage rate possible in 2026

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.