In this video, I tackle the misconceptions about what affects mortgage rates. I debunk common myths, explaining that credit inquiries, cash reserves, and debt-to-income ratios have different impacts than often believed. I delve into the real factors that influence your mortgage rate, such as loan amount, loan-to-value ratios, and the type of property you're financing. This video is essential for anyone navigating the mortgage process, providing clear, expert insights to help you make informed decisions and avoid misinformation. Join me as I clarify these crucial aspects of home financing.