2026 Mortgage Update: Lower Rates, ARMs Return, and When to Refi
On The Market
Seller Credits, Buydowns, and Negotiation
Jeff discusses seller concessions, typical credit amounts, and practical buydown structures investors can seek.
Rental property financing is becoming much easier. For years, seven and eight-percent rates made it brutal to make deals work. But now, things are changing—for the better.
Mortgage rates in the five-percent range? HELOCs with no closing costs? Seller concessions to buy down your interest rate, and a smoother path to affordable properties? It’s all culminating in 2026, and this could be one of the best years in recent memory to get a mortgage for a rental property. Today, we’re talking to Jeff Welgan, who's spent 22 years in the mortgage industry, and is bringing good news.
Thought those ARM (adjustable-rate mortgage) loans were left behind in 2008? Safer, cheaper, and more flexible ARM loans are available to investors. With lower rates and longer fixed-rate periods, they could be the perfect option as mortgage rates continue to decline. Jeff also shares how you can get a HELOC with no closing costs, so you don’t have to give up that rock-bottom mortgage rate you secured in 2020. Plus, when to refinance, how low rates could go, and whether you still should buy down your rate in 2026.
In This Episode We Cover
Jeff’s 2026 mortgage rate prediction and the “range” he thinks rates will stay in
Are ARMs back? Why adjustable-rate mortgages are cheaper, safer, and better for investors
Should you pay down your interest rate? When Jeff says it is (and isn’t) worth it
Why the mortgage industry’s cycle is about to end, and investors must be careful
Got a high mortgage rate? This is when you should think about refinancing
And So Much More!
Links from the Show
Join the Future of Real Estate Investing with Fundrise
Join us at the BiggerPockets Conference October 2-4 in Orlando. Buy tickets
Sign Up for the On the Market Newsletter
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Grab Dave’s Book, "Start with Strategy"
Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/on-the-market-400
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