Mortgage Rates Exposed 2026: Par Rates, ARMs & Strategies to Save Thousands

Описание: Are you really getting the best mortgage rate — or just the lowest number you see online?

In this full episode of Market Shares, I expose the truth about par rates, adjustable rate mortgages (ARMs), and online rate quotes. With so much information available today, it’s easy to assume you’re getting the best deal — but the reality is often more complicated.

I break down strategies for borrowers and loan officers alike - showing how to maximize savings, make smarter rate decisions, and present clients with the best options in 2026.

🔎 Topics We Cover in This Episode
Why those “lowest rates online” aren’t always what they seem
How par rates and discount points actually work (and why it matters)
When a 5- or 7-year ARM might make more sense than a 30-year fixed
Smart strategies loan officers can use to show clients better options
How to calculate break-even on points and ARM pricing
Understanding the rate stack and mortgage-backed securities (without the headache)
Ways to help clients save money while building trust
How to go from just quoting rates to becoming a true mortgage advisor

🎙 Watch the full episode for actionable strategies to save thousands and navigate today’s mortgage market like a pro.
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Tony Blodgett CMB NMLS# 72161 Company NMLS ID# 6606 Equal Housing Lender. Washington Consumer Loan Company License #CL-6606

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CHAPTERS
#1. 0:00 Mortgage Rate Shopping Exposed: The Truth About Discount Points & “Low” Interest Rates
#2. 3:42 Mortgage Rate Stack Strategy: How Smart LOs Find Hidden Pricing Advantages
#3. 7:28 Are Adjustable Rate Mortgages Back? Why 5 & 7 Year ARMs Make Sense Right Now
#4. 10:34 Stop Comparing Rates: How Advisors Handle Rate Shopping
#5. 15:31 ARMs Aren’t Risky in 2026: What You Need to Know
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