Heard about mortgage rates dropping to 6.18%? Sounds like a win, but don’t celebrate just yet. When you crunch the numbers—monthly payments, taxes, insurance—the bill still stings, especially if you’re eyeing a starter home. The headline rate is just the tip of the iceberg; your actual payment depends on your credit, loan size, and where you buy. Pro tip: Always use a mortgage calculator before falling for those shiny rate ads! #RealEstate #mortgage #homebuying