Rates improve with higher credit, a larger down payment (lower LTV), and primary-residence occupancy. You can buy points to lower the rate, and comparing lenders can save real money — which is what a broker does for you.
What sets your rate
Credit score, down payment, loan type, and occupancy drive pricing. As a broker we shop multiple lenders at once, so you see competing offers rather than a single bank’s rate.
Points and buydowns
Discount points lower your rate for an up-front cost — worth it if you’ll keep the loan long enough. Temporary buydowns can ease early payments. We’ll show which, if any, pays off for you.
Frequently asked questions
How do I get the lowest rate?
Strong credit, a solid down payment, and comparing lenders. As a broker, we do the comparison for you.
Should I buy points?
Only if you’ll keep the loan long enough to recoup the cost. We calculate the break-even.
Does a broker really save money?
Often — we shop many lenders at once, which can beat a single retail bank’s pricing.
Save Financial is a California-licensed mortgage brokerage (NMLS #377740, DRE #01875766). Figures are illustrative for 2026 and not an offer of credit.