Mortgage rates surge toward 7% as the Fed changes course
Educational
BREAKING — Mortgage Professional America reports that mortgage rates are climbing toward 7 percent, with borrowing costs reaching a 20-month high following the Federal Reserve's first rate increase in three years. After a prolonged period of historically low rates, this shift marks a meaningful change in the cost of financing for anyone currently in the market to purchase or refinance.
For investors and self-employed borrowers, higher rates reshape the math on every deal. loantrust.ai operates directly in this space, structuring financing around property cash flow rather than personal income through DSCR programs, and offering bank-statement qualification for borrowers whose tax returns do not reflect full earning power. Fix-and-flip, bridge, and new-construction financing remain available, with each file packaged by one licensed mortgage loan originator rather than routed through a call center.
Rate environments like this one separate strategic financing from opportunistic borrowing. loantrust.ai functions as a dedicated partner rather than a transactional call center, which matters when every basis point affects holding costs and project feasibility. The programs that fit this moment, DSCR and bank-statement products chief among them, are built for conditions where conventional qualification paths grow more restrictive and more expensive.
Source: Mortgage Professional America, “Mortgage rates surge toward 7% as the Fed changes course”. 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: get a written quote here
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.