Strategies for getting the lowest mortgage rates in 2026

January 06, 2026

Mortgage rates ended 2025 near annual lows, with strategies available to secure rates below the national average in 2026. Key tips include improving credit scores, lowering debt-to-income ratios, making larger down payments, buying discount points, negotiating seller or builder rate buydowns, considering temporary buydowns, shopping for adjustable-rate mortgages, and opting for shorter loan terms or assumable mortgages. Refinancing depends on future rate drops and personal goals.

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Suren Bahramian

+1-323-876-7060

Rise Realty

Granada Hills, California

Meet Suren Bahramian: a dedicated realtor and mortgage loan officer on a mission to match families with their dream homes. With a background in business and management, Suren started his real estate journey in 2013, quickly establishing himself as a respected agent, investor, and entrepreneur. His unwavering commitment to professionalism and passion for helping people have made him stand out in the industry and achieve great success. Suren has paved the way for himself as a top real estate agent, forward-thinking investor, and enterprising entrepreneur. His true passion lies in his unwavering commitment to professionalism and a genuine desire to help people. He finds fulfillment in ensuring every transaction is executed flawlessly, providing confidence and ease to his clients throughout their real estate journey. Professionally, Suren is known for his reputation as a skilled negotiator and a hard worker. In his first week as a realtor, Suren emerged among the top 10 within a cohort of 700 agents, a remarkable achievement that underscored his knack for sealing deals. Despite facing adversity during economic downturns, Suren being a risk-taker, managed to bounce back stronger than ever, showcasing his tenacity and determination in the face of challenges. A trait that sets Suren apart is his attentive and empathetic nature. Being a good listener, he values the importance of truly understanding his clients’ needs, enabling him to tailor his services accordingly. A family man, Suren understands that a home is more than just a physical space. It’s a sanctuary where cherished memories are forged, and he is committed to facilitating that heartfelt connection. Suren’s long-term aspirations include using his achievements to give back to those in need. Suren's dedication to social responsibility extends beyond his profession. He plays a vital role by supporting his wife, a dedicated social worker, in her endeavors to make a positive difference in the community. Hiking, fishing, and camping for pleasure, Suren Bahramian is an embodiment of dedication and resilience. His ability to transform dreams into reality has not only enriched his own life but has also touched the lives of countless families, making him a true beacon of hope in the world of real estate.

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