2026 Mortgage Update: Lower Rates, ARMs Return, and When to Refi

⁠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...