As someone who’s spent 16 years helping clients make smart mortgage decisions, I’m always watching how rates shift across the country. Right now, we’re seeing mortgage rates ranging anywhere from 4.4% to 6.9%, depending on the state. This spread directly impacts homeownership costs—especially as prices climb and inventory remains tight. What stands out to me: higher rates are slowing the improvement in mortgage delinquency rates, and in some places, rates have actually spiked even though the national average is on the decline. It’s a reminder that local trends matter just as much as national headlines. My focus has always been on helping buyers and investors structure their financing for maximum cash flow, no matter what the rate map looks like.
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