To secure the lowest mortgage rates in 2026, optimize your credit score by reviewing reports, managing credit utilization below 30%, and avoiding new accounts before applying. Maximize your down payment to reduce loan risk and avoid PMI. Shop at least three lenders, comparing APRs for true cost. Use discount points or seller concessions to buy down rates. Consider alternative loans like 15-year fixed, ARMs, or assumable mortgages for potentially lower rates.