Mortgage rates haven’t moved much since the Federal Reserve cut the federal funds rate at its December meeting. However, with a thoughtful strategy, you can secure a mortgage interest rate below the national average. Here are eight tips for getting the lowest mortgage rate possible in the 2026 housing market. Which lenders offer the lowest mortgage rates? Analysis by Yahoo Finance of nearly 5,000 mortgage lenders reporting 2024 loan information under the Home Mortgage Disclosure Act reveals the surpris ...