About MortgagesJanuary 30, 2026
Can You Negotiate Mortgage Rates? | Lower Your Rate 2026
Can you negotiate mortgage rates? Yes, you can and should negotiate lower rates. Here are mortgage negotiating strategies that actually work.

With more than 10 years in the mortgage industry, and another 10 years writing about it, Gina Freeman brings a wealth of knowledge to The Mortgage Reports as its Associate Editor. Gina works with a team of world-class real estate and finance writers to bring timely and helpful news and advice to the audience. Her specialty is helping consumers understand complex and intimidating topics.