01/23/2026
โจ 4% interest rates are back โจ
Yes โ real rates. Real programs. Real requirements.
Hereโs what actually matters ๐
๐ Great credit
A 780+ credit score is preferred for the strongest 4% programs.
Not there yet? Thatโs okay โ we have a rescore team that can help you get as close as possible by optimizing what you already have (no gimmicks, just strategy).
๐ Healthy DTI (Debt-to-Income)
Your monthly debts matter just as much as your income.
This helps lenders feel confident that your payment fits your life โ not stretches it.
๐ฐ Good reserves
These programs favor buyers who have funds left after closing.
Think stability, not stress. This is about long-term sustainability.
๐ Loan terms
Yes โ this is a 30-year loan, not a teaser rate or short-term adjustment. (Texas, North Carolina, Florida, and Georgie.)
๐ Next step
Comment โCALLโ to get started
or book directly at byjoandco.com/call
JO & CO.
Not just your realtor โ your resource ๐ค
Save this if youโre planning a move, even if itโs not today.