Rent To Retirement: Building Financial Independence Through Turnkey Real Estate Investing Mortgage Rates Are Dropping! Smart Financing Moves for Real Estate Investors
Sep 22, 2025
Jeff Welgan, VP of Investor Lending at Bluprint Home Loans, shares his expertise on the current decline in mortgage rates and what it means for investors. He discusses the impact of Fed decisions and job data on rates, and explains the concept of 'rate floors' alongside builder incentives lowering mortgage costs. Jeff compares DSCR loans to conventional options, providing insights on when to choose each. He also emphasizes the importance of timely year-end purchases for tax advantages, advising listeners to be proactive in their financing strategies.
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Mortgage Rates Are Moving Down
- Mortgage rates are finally trending down after years of volatility and may continue slowly into year-end.
- Fed guidance and upcoming jobs/inflation data will determine whether the decline holds or reverses.
Jobs Data Now Drives Rate Sensitivity
- Jobs data now drives Fed decisions more than inflation, so stronger job reports can push mortgage rates up.
- Markets may already price in Fed cuts, making rates sensitive to any hotter-than-expected reports.
Act Now On Low Rates
- Strike while rates are low and consider refinancing or locking in financing now rather than waiting for an uncertain future.
- If rates fall further next year, refinancing remains an option, so act on current opportunities.