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📉 Will mortgage rates finally stabilize in 2026?

In this episode of the Rent To Retirement Podcast, hosts Matthew Seyoum and Zach Lemaster sit down with Hans Stone, head of lending at Blueprint Home Loans, to break down what real estate investors should realistically expect from mortgage rates in 2026 — and how to structure smarter loans in today’s market.

With nonstop headlines about Fed policy, bond purchases, and rate cuts, this episode cuts through the noise and focuses on what actually matters for investors: stability, strategy, and loan structure.

You’ll learn why dramatic rate drops are unlikely, how investor-friendly loan products like 7- and 10-year ARMs and DSCR interest-only loans can improve cash flow, and how builder incentives and buy-downs can materially change deal performance.

Whether you’re buying your first rental or scaling a portfolio, this episode will help you make educated, strategic lending decisions heading into 2026.

⏱️ Episode Timestamps

00:00 – Intro: Mortgage rate outlook for 2026

01:30 – Market volatility vs. stability in recent years

02:45 – Will government bond buying lower rates?

06:40 – Why big mortgage rate drops are unlikely

08:40 – Fed leadership changes & impact on lending

10:50 – New loan products investors should understand

11:30 – 7-year & 10-year ARM loans explained

14:00 – Using builder incentives to buy rates down

16:30 – DSCR interest-only loans: pros & misconceptions

19:00 – Cash flow vs. principal paydown strategies

21:30 – Matching loan structure to your investment goals

👉 Connect with the team to explore lending options with Blueprint Home Loans

📧 Got a question or story to share?

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