What No One Tells You About Mortgage Rates

Mortgage rates are shaping everything—from your monthly payment to your long‑term financial plans. In this video, I break down what no one is telling you about mortgage rates, buying power, loan programs, and strategies that actually work in today’s Dayton market.

You’ll learn how shifting interest rates impact affordability, whether a rate buy‑down makes sense, how to work with local Dayton lenders, and why the right pre‑approval can make or break your home search. I also compare 15‑year, 30‑year, and the proposed 50‑year mortgage, explaining which loan terms make the most financial sense depending on your goals.

If you’re a first‑time homebuyer, relocating to the Miami Valley, or planning a move this year, this video gives you the clarity you need to buy with confidence. Dayton’s market is competitive—but with the right information, you can position yourself to win.

📌 What We Cover:
• How mortgage rates shape your buying power
• Rate buy‑down strategies for Dayton buyers
• The advantage of using a local lender
• What a REAL pre‑approval looks like
• Price vs. rate: which matters more?
• Pros and cons of 15‑, 30‑, and 50‑year mortgages
• Why waiting for rates to drop may cost you
• Smart strategies Dayton buyers are using right now

If you’re thinking about buying a home in the Dayton area, this is your complete guide.