Why the Wall Street Journal’s headline “Why You’re Probably Overpaying for Your Mortgage” misses the mark.

In this episode, I break down why chasing the absolute lowest interest rate isn’t always the smartest move. From credit scores and loan types to points, lender credits, and your personal timeline — I share the real factors that determine your true mortgage cost and how we build solutions that actually fit your life and goals.I also touch on recent Fed headlines and what truly drives long-term housing affordability.Transparency, math, and relationships over hype.If you’re buying, refinancing, or simply want straight talk on mortgages in Colorado, Texas, or Florida, this one’s for you.Listen now and reach out anytime: See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.