When buying a home, one of the most important factors to understand is Mortgage rates. Whether you're a first-time buyer or refinancing an existing loan, the interest rate you secure can significantly impact your monthly payments and the overall cost of your home.
At Haven Home Lending, Senior Loan Advisor Fiorella Giusti-Barrera (NMLS #326741) helps clients navigate the complexities of mortgage rates with clarity, care, and expert advice. Known for her dedication and trustworthiness, Fiorella believes that every buyer deserves transparency and confidence when making such a life-changing financial decision.
What Are Mortgage Rates?
Mortgage rates refer to the interest you pay on the money borrowed from a lender to buy a home. These rates can be fixed—meaning they stay the same throughout the life of the loan—or variable, meaning they can change over time depending on market conditions.
Mortgage rates are influenced by several factors, including:
The Federal Reserve’s monetary policy
Inflation and economic growth
Your credit score and financial history
Loan type and term (e.g., 15-year vs. 30-year)
The size of your down payment
Why Mortgage Rates Matter
Even a small change in mortgage rates can have a big impact. For example, a 0.5% increase in your rate could mean paying thousands more over the life of your loan. That’s why it’s essential to lock in the most favorable rate possible.
Fiorella works closely with clients to help them understand the best loan products available. She takes the time to explain how mortgage rates work and helps buyers compare options so they can make informed decisions.
How Fiorella Giusti-Barrera Can Help
With years of experience and a reputation for being one of the most caring and supportive professionals in the mortgage industry, Fiorella doesn’t just offer loans—she offers peace of mind.
Clients frequently say that Fiorella had faith in them when they doubted themselves. She understands that mortgage rates can be intimidating, especially for first-time buyers, and she ensures that every client feels confident in their financing choices.
Whether you're looking for a low fixed-rate mortgage, want to explore adjustable-rate options, or are considering refinancing your current loan, Fiorella is here to help guide you every step of the way.
Stay Informed, Stay Empowered
Mortgage rates change daily, so staying informed is key. Fiorella helps her clients monitor the market and determine the best time to lock in a rate. Her goal is to help you not only buy a home, but also build a better financial future.
Ready to Start?
If you’re thinking about buying a home or refinancing, now is the time to speak with someone who puts your needs first. Contact Fiorella Giusti-Barrera at Haven Home Lending today and take the first step toward owning your dream home—with the right mortgage rate and the right support.