There's no way for consumers to borrow more cheaply. But that might change if the Fed raises rates a couple more times.

314

Whenever business slips a little, lenders trot this stuff out.

264

Things are definitely getting more expensive.

229

No-money-down home purchases used to be the kind of thing you only saw on late night TV.

200

[But all of that has changed in just a matter of months.] Lenders don't have people beating down their door for their loan, ... You're more in the captain seat than you were even a week ago.

165

Welcome to the cold reality. A lot of people selected short-term interest rate product and are now beginning to see how these things benefit the lender.

163

I would definitely expect more of it. Buyers may not pay for it. The seller or builder may pay for it to get a house sold.

142

With rates as low as they are people can cut years off the mortgage for the same monthly payment.

118

Listing the person with the higher credit score as the primary borrower, ... may knock as much as two percentage points off the interest rate.

100