Mortgage headlines are heating up—rates have eased, builders are dangling incentives, and new-home sales just surprised to the upside. But does a Fed rate cut automatically mean cheaper mortgages—and should you pay “points” to grab that lower payment?

In this episode, Hannah Chapman, CFP®, APMA®, CRPC®, Brad Haines, CFA, FRM (Chief Investment Officer, Juncture Wealth Strategies), and lender Rachel Guerrero break down what the latest Fed move really means for your cash yields and mortgage rates, why new-home sales are popping, and how to evaluate points, PMI, and refinance math so you don't overpay for “cheap” debt.

Learn about:

• How Fed short-term cuts translate (or don't) to the 10-year and mortgage rates

• Why new-home sales are surging—and how builder rate buydowns work

• Points 101: what they are, when they're worth it, and how to find your break-even

• Refi strategy: rate vs. total cost, APR, loan term options (28/27/25-year), and PMI

• The questions to ask any lender before you sign

Connect with Rachel here:

Linkedin:https://www.linkedin.com/in/rachel-guerrero-mortgage/

Connect with Brad here:

Website: https://www.juncturewealth.com

Email: bhaines@juncturewealth.com

Connect with Hannah here:

X² Wealth Planning Website: https://x2wealthplanning.com/

Expansive CEO: https://expansiveceo.com/

Email: hannah@expansiveceo.com