10/01/2026
🏡 LENDER SPOTLIGHT: Real Answers. Smart Advice. Confident Buyers.
This week, Love - Mortgage Lender - NMLS #1764829 with First Mid Bank & Trust is sharing a great reminder about something we hear A LOT about: mortgage rates!
Everyone wants to know when rates are going to drop. But are we focusing on the wrong number?
According to Michael, the focus shouldn’t necessarily be on the interest rate alone. What matters more is how the overall monthly payment fits into YOUR budget.
Instead of waiting for rates to return to 3%, ask yourself: What monthly payment am I comfortable with? What can I realistically afford without stretching myself too thin?
And for everyone still waiting on those 3% rates, Michael has a little perspective: Remember what was happening in the world the last time rates were that low? Pretty sure none of us are asking to go back to 2020! 😂
The takeaway? Don’t let an interest rate make the decision for you. Look at the entire financial picture and find a payment that works for your lifestyle.
Have questions about rates, monthly payments, or what buying could look like for you? Michael can help you run the numbers and understand your options.
Thank you, Michael, for this week's Lender Spotlight!
💬 Are you a buyer with a question you’d love to ask a local lender? Or are you a local lender who would love to be featured in an upcoming Lender Spotlight? Send me a DM! I’d love to hear from you.
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🏡 Ashley Swoboda, REALTOR®️
🏢 RE/MAX Jefferson City
☎️ 573-761-3407
📲 573-275-0563
📧 [email protected]
🌐 ashleyswobodahomes.com
🔗 https://cards.relevelup.com/ashley-swoboda