The Truth About Online “Teaser Rates”: What You See Isn’t Always What You Get

You have probably seen those eye-catching mortgage rates online that seem almost too good to be true. The truth is, they usually are. Many of these advertised rates are what we call “teaser rates.” They are based on the most ideal borrower scenario, which often means a perfect credit score, a large down payment, a specific property type, and even the purchase of discount points to buy the rate down.

Your actual mortgage rate is determined by your individual financial profile and the details of your loan. Lenders look at several key factors, including your credit score, debt-to-income ratio, loan amount, property type, and the size of your down payment. Even small differences in these areas can make a big impact on your rate. That is why relying on an online teaser rate can lead to disappointment when it does not match your actual quote.

At Blue Stripe Mortgage, we believe in transparency and education. Our goal is to help you understand how rates are determined and to give you accurate, personalized options based on your real situation. We do not rely on gimmicks or fine print, just honest numbers and clear guidance.

If you are curious about what rate you truly qualify for, call Blue Stripe Mortgage today at 407-347-7940. We will walk you through your options and find the best fit for your needs, so you can make confident decisions about your home financing.