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How to Secure the Best Rates

Securing the best mortgage rate requires preparation and research. Here are some actionable steps you can take:

1. Improve Your Credit Score: Lenders offer better rates to borrowers with higher credit scores. Paying down debt and ensuring timely payments can boost your score.
2. Shop Around: Different lenders offer different rates and terms. By comparing options, you can identify the most competitive offers.
3. Consider Points: Paying for discount points can lower your interest rate. Evaluate whether the upfront cost is worth the long-term savings.
4. Lock Your Rate: Once you find a favorable rate, lock it in to protect against future increases.