Brian Faeth Mortgage Team

Brian Faeth Mortgage Team Veteran-owned mortgage team helping you buy, refinance, or invest with confidence.

REALTORS: Your lender is either helping you WIN deals… or costing you business.In today’s market, speed, communication, ...
06/25/2026

REALTORS: Your lender is either helping you WIN deals… or costing you business.

In today’s market, speed, communication, and problem-solving matter more than rates alone. I help agents close faster, structure tough deals, and keep clients calm from contract to closing.

VA • FHA • Conventional • DSCR • Fix & Flip

Veteran-Owned. Relationship-Driven.

06/22/2026

If you are shopping for a home right now here is something encouraging to keep in mind as you navigate the current rate environment.

Mortgage rates have been moving on global headlines, especially news out of the Middle East, and for the first time in months some experts are genuinely hopeful that the path ahead points lower. If a verified peace framework crosses the finish line, energy prices could continue to ease and rates could have real room to come down in a meaningful way. That is a genuinely positive development for buyers who have been watching and waiting.

Until that picture becomes clearer the smartest move is to give yourself a little breathing room in your budget planning. I recommend building in a cushion of about a quarter to a half percent above your initial rate quote until you have a signed contract in hand. That way if rates move before you get under contract you are not caught off guard or pushed out of your comfort zone at the worst possible moment. You stay calm, in control, and ready to move when the right home appears.

Rate volatility is a feature of the current environment not a bug. Planning around it rather than against it is what keeps buyers in a position of strength regardless of what any given week's headlines produce.

Follow me for more straight talk on rates and what they actually mean for your home buying strategy right now.

06/19/2026

Everyone keeps asking me the same question right now: what actually counts as a good mortgage rate? Here is your answer.

On a 30-year loan anything under about 6.5 percent is considered a strong rate in the current environment. On a 15-year loan look for something under roughly 5.87 percent. Those are the benchmarks worth measuring any quote you receive against right now.

But here is the exciting part. You have real levers available to pull that can get you even lower than those benchmarks depending on your specific situation and how you approach the process.

Shopping around and getting multiple quotes can save you thousands of dollars over the life of the loan because rates genuinely vary from one lender to the next on the same loan profile. Most buyers accept the first quote they receive without realizing how much variance exists in the market. That single habit of comparing options is one of the most impactful financial decisions you can make in the entire home buying process.

Add in a strong credit profile and a solid down payment and you put yourself in the best possible position to access the most competitive rates available. Lenders price their best rates for the strongest borrower profiles and working toward that profile before you apply pays dividends at closing and every month for the life of the loan.

Knowledge is your leverage here and that is exactly what I am here to give you. Follow me and I will keep showing you how to win on your rate.

Address

Delray Beach, FL

Telephone

+15613592687

Website

Alerts

Be the first to know and let us send you an email when Brian Faeth Mortgage Team posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share