Why Your Neighbor's Refi Rate Is Lower

Ever wonder why your friend in New York brags about a lower mortgage refi rate than you? It’s not just luck—refinance rates actually change depending on where you live, thanks to local lenders, state rules, and even average credit scores. The big takeaway: Don’t just grab the first rate you see online (those teaser rates are for unicorn borrowers). Always shop around, compare, and see what fits your wallet best! #MortgageTips #RefinanceSmart #MoneyHacks #HomeBuying #FinanceChat #RealEstate