The most common question I hear from buyers is, “What’s your rate?” While that is an important question, it’s often the wrong starting point. In reality, there is a wide range of rates available to borrowers depending on structure, goals, and circumstances—so focusing solely on the rate overlooks the bigger picture. 

A mortgage is not just an interest rate; it is a long-term financial tool that directly impacts buying power, monthly cash flow, tax strategy, investment potential, and future flexibility.

Two buyers can secure the exact same interest rate and still experience dramatically different financial outcomes based on how their loan is structured. That’s why it’s critical to work with a lender who looks at the client’s full financial picture and takes the time to understand both short-term and long-term goals. Those conversations are essential to designing a mortgage strategy that truly benefits the client, rather than simply chasing the lowest possible rate. All too often, a low rate paired with the wrong loan structure can end up costing borrowers thousands—sometimes tens of thousands—of dollars over the life of the loan.

My goal with every client is not to win the conversation by quoting the lowest rate. My goal is for the client to win the financial outcome—whether that’s over the next 5, 10, or 30 years—while using their mortgage as a tool to support wealth building. While loanDepot offers very competitive rates, my true value lies in structuring mortgages that align with each client’s goals. 

Sometimes that does mean the lowest rate, but my real strength—and differentiator—is mortgage strategy.

I would love the opportunity to chat with you to provide customized information to show you how things can look specific to your situation!

Let me know if you have any questions!