Mortgage rates rise to 6.85%, highest in more than a year
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BREAKING — National Mortgage News reports that mortgage rates have climbed to 6.85%, their highest point in more than a year. The upward pressure on borrowing costs has cooled loan demand measurably. The Mortgage Bankers Association's refinance index dropped 6.2% and now sits at its lowest level since May 2025.
For investors and self-employed borrowers navigating this tighter environment, financing strategy matters more than rate shopping alone. loantrust.ai structures loans around the specific mechanics of investment properties and non-traditional income documentation. DSCR programs qualify on property cash flow rather than personal income. Bank-statement programs serve self-employed borrowers who do not fit standard W-2 templates. Bridge, fix-and-flip, new construction, and multifamily financing are built for transitional and value-add scenarios where the exit timeline, not the permanent rate, drives the decision. One licensed mortgage loan originator packages each file personally rather than routing it through a call center.
When refinance volume contracts and conventional channels slow, the borrowers who still move are those with financing aligned to their actual deal structure. loantrust.ai operates directly in this space, not as a mass-market originator but as a dedicated partner for investors and homeowners whose situations require more than a rate quote.
Source: National Mortgage News, “Mortgage rates rise to 6.85%, highest in more than a year”. Read the original →
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: mortgage brokerage in Atlanta
Hans Michel, Mortgage Loan Originator, NMLS #2857209 · LoanTrust is a dba of RentAssure Inc. · Licensed in Georgia · NMLSConsumerAccess.org · 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.