T.J. Williams, Regional Vice President and Financial Advisor was featured in Bloomberg’s article “Homebuyers Wrestle With Tricky Calculus as Mortgage Rates Post Massive Swings.”
“Is the cost worth the security? Buyers need to weigh the risk of the rates in the future versus the extra costs they’ll pay to lock in the rate,” said T.J. Williams, a regional vice president for Wealth Enhancement Group. While locks can protect borrowers from rising interest rates, there’s always a risk that rates will drop instead. For that reason, Williams said it’s important to look for a “float-down” option. This allows borrowers to get a lower rate — for a fee — should it fall before closing.
Read T.J.’s full commentary here.
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