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# Can mortgage rates get under 7% for the holidays?
- URL: https://blockyard.ghost.io/can-mortgage-rates-get-under-7-for-the-holidays/
- Published: 2026-10-17T21:00:21.000Z
- Updated: 2026-10-17T21:00:21.000Z
- Author: Hans Michel
- Tags: loantrust.ai, news, daily

###### Educational

HousingWire reports that last week's bond market volatility has reopened the possibility of mortgage rates dipping below 7% before the year ends, with Halloween, Thanksgiving, Christmas, and New Year's all now in view as potential milestones for borrowers waiting on relief.

For investors and self-employed borrowers who have been sidelined by rate uncertainty, this shifting landscape creates a moment to reassess financing strategy rather than simply wait. [loantrust.ai](https://loantrust.ai/?ref=blockyard.ghost.io) operates directly in this space, offering DSCR loans that qualify on property cash flow, bank-statement programs for borrowers without traditional W-2 documentation, and bridge and fix-and-flip financing for those moving on acquisition opportunities. Each file is packaged by one licensed MLO rather than routed through a call center, which means the structure of the loan is built around the borrower's actual position.

Rates under 7% would not merely lower monthly costs; they would recalibrate what deals pencil across rental portfolios, new construction timelines, and multifamily acquisitions. The value lies in having a financing partner already positioned to move when the numbers shift, rather than scrambling to assemble documentation and strategy after the fact.

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**Source:** [HousingWire](https://www.housingwire.com/articles/mortgage-rates-below-7-holidays/?ref=blockyard.ghost.io), “Can mortgage rates get under 7% for the holidays?”. [Read the original →](https://www.housingwire.com/articles/mortgage-rates-below-7-holidays/?ref=blockyard.ghost.io)

**About loantrust.ai** — Whether you're buying your first home, refinancing, or funding your next investment deal, you deserve a straight answer from a real loan officer — not a call center. loantrust.ai is the Atlanta-based mortgage brokerage where one licensed MLO personally packages every loan: conventional, FHA, VA, refinance, DSCR, fix & flip, bridge, new construction, multifamily, and bank-statement programs. Get a written quote you can compare against any lender — in about two minutes: [**compare your options**](https://loantrust.ai/?ref=blockyard.ghost.io)

*Hans Michel, Mortgage Loan Originator, NMLS #2857209 · LoanTrust is a dba of RentAssure Inc. · Licensed in Georgia ·* [*NMLSConsumerAccess.org*](https://www.nmlsconsumeraccess.org/?ref=blockyard.ghost.io) *· Equal Housing Opportunity. Nothing on this site is a commitment to lend — all loans subject to underwriting and approval. DSCR, fix & flip, bridge, new construction, multifamily, and bank-statement programs are business-purpose loans for investment properties only.*