Every Major Non-QM Loan Explained in 23 Minutes!

Описание: Download the FREE Non-QM Cheat Sheet 📥 https://iamandrewrussell.com/free-res...

Spoiler alert: The lowest mortgage rate you’ve ever seen is probably fake.

That 3.5% you saw in some ad? It’s like the unicorn of mortgage rates — rare, magical, and probably photoshopped. Your actual rate is based on a messy list of factors: credit score, down payment, property type, occupancy, loan program, and about 15 other adjustments that lenders forget to mention until you’re already hooked.

In this video, I’m pulling back the curtain on how lenders price rates. You’ll see why two people with the exact same loan amount can walk out with completely different rates, and why blindly chasing “the lowest” can cost you more in the long run. I’ll break down when to pay points, when to pass, and how to make the rate game work in your favor without falling for the clickbait.

This isn’t a boring rate lecture. It’s the mortgage version of “don’t get catfished.”

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