🏠 The Interest Rate Trap
Chasing the lowest interest rate might actually be the biggest financial mistake of your home purchase. I know it sounds backwards—you scroll online, find the lowest number, and think you’ve won.

But the "lowest" rate is never free. It often comes with massive upfront fees. Is saving $80 a month worth spending $12,000–$15,000 today?

By taking a slightly higher rate, you reduce your upfront costs and keep more cash in your pocket for:
🏡 Home renovations
📈 Investing
🛡️ Life’s emergencies

Your monthly payment barely changes, but your liquidity does. The "best" rate isn't the lowest number—it’s the one that puts you in the strongest financial position.