To secure the lowest mortgage rates in 2026, improve your credit score, lower your debt-to-income ratio to 25% or less, and make a larger down payment. Consider buying discount points to reduce interest rates, explore temporary rate buydowns, and shop for adjustable-rate mortgages with lower introductory rates. Shorter loan terms offer lower rates but higher payments. Assumable mortgages may provide low rates if available. Refinancing is best when rates drop 1-2% below your current rate.