Confusion about interest rates and lending is everywhere, and too many investors end up making costly mistakes. In this episode, Ron Phillips breaks down how mortgage rates really work, why the Fed doesn’t directly control them, and how layers of middlemen can quietly inflate your loan costs. He shares practical strategies for comparing lenders, understanding par rates, and avoiding unnecessary fees so you can secure better financing for your investments.

WHAT YOU’LL LEARN FROM THIS EPISODE

• Why mortgage rates don’t move in lockstep with Fed rate cuts
• The role of the 10-year Treasury in real estate lending
• How extra layers of middlemen drive up par rates and fees
• Par rate: What it means and how to use it when comparing lenders
• How different investors and programs impact loan terms and buy downs
• Key reasons why cutting out waste in lending can save you about 1% on your rate

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