此外，多方比价与和贷款机构谈判也是省钱的关键。以芝加哥房地产经纪人Tony Anczer为例，他借由联系四家贷款机构并让其互相竞争，成功将30年期7.1%的贷款转贷为15年期4.75%的贷款。
购房者还可以考虑购买点数以降低月供，或在可行情况下承接原有的抵押贷款。一项实验显示，不同贷款机构给出的报价之间，每月供款差距可高达442美元，显示主动谈判的重要性。
Despite high market rates, around 16% of homebuyers successfully secured mortgage rates below 6% in May 2026. Borrowers are using strategies such as looking at new builds, considering adjustable-rate mortgages (ARMs), and pledging assets to lower their rates.
In addition, comparison shopping and negotiating with lenders are key to saving money. For example, Tony Anczer, a Chicago-area real estate agent, contacted four lenders and played them against each other, successfully refinancing a 7.1% 30-year loan into a 4.75% 15-year loan.
Homebuyers can also consider buying points to lower monthly payments or assuming an existing mortgage if possible. An experiment showed a monthly payment spread of $442 between different lenders' quotes, highlighting the importance of active negotiation.