The closing files

We need to talk about the number everyone loves to obsess over. The interest rate. Yes, your rate matters. Obviously. But if your entire home-buying strategy is “I’m just going to wait until rates come down,” you may be paying attention to one number while ignoring everything else that could actually make a home more affordable. And there’s a LOT more to the equation. The Rate Is One Piece of the Puzzle Your monthly payment isn't determined by your interest rate alone. Home p