Interest Rates Explained: Cost Rate vs Discount Points & Why the 5s May Not Happen

Описание: Interest rates aren’t just one number—and today we break down what most buyers never hear. In this Loans to Listings episode, we explain the difference between cost rate vs discount points, how debt-to-income ratios actually affect your approval, and why some buyers have to buy their rate down to qualify. We also discuss why Trent doesn’t believe we’ll see rates deep into the 5s this year—and what that realistically means for buyers and homeowners in today’s market.

If you’re buying, refinancing, or just tired of hearing “rates are coming down” without context, this episode is for you.

👉 Want a personalized rate strategy or home plan? Reach out—we’re happy to help.

We cover:
• Florida winter weather and climate
• Why people love Florida winters
• Animals unique to Florida, including tortoises
• Lifestyle differences compared to other states
• Conversations around weather patterns and climate curiosity

If you’re thinking about moving to Florida or wondering what life is like here year-round, this episode gives a real, honest look at the Florida lifestyle.

Subscribe for Florida lifestyle, relocation, and real estate insights.

Our Website with Helpful Hints: https://snydersuccess.com/
Your Private Search Engine: https://www.localhomeseeker.com/
Mortgage Options? https://snydersuccessloans.com/
email [email protected]

As always, we'd love to answer any questions and help anyone, in any way. Thank you!

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#DebtToIncome
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#HomeBuyersGuide
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