Mortgage rates now perched just below 7%, says Freddie Mac

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BREAKING — Mortgage Professional America reports that borrowing costs have reached a 20-month high following the Federal Reserve's first rate increase in three years, with Freddie Mac placing mortgage rates just below the 7% threshold. This marks a significant shift in the lending landscape after a prolonged period of lower rates, resetting expectations for both residential buyers and those financing investment properties. The upward pressure on conventional financing is now a defining condition of the market.

For investors navigating this environment, the structure of financing has become as consequential as the rate itself. loantrust.ai operates directly in this space, offering DSCR loans that qualify on property cash flow rather than personal income, alongside fix-and-flip, bridge, new-construction, and multifamily programs designed for real estate investors rather than owner-occupants. Self-employed borrowers have access to bank-statement programs, and every file is packaged by one licensed MLO rather than routed through a call center, a distinction that matters when terms are tight and timing is material.

Higher rates do not halt investment activity; they redistribute it toward products and partners equipped for constrained conditions. A brokerage that originates both consumer and investor mortgages, with specific expertise in rental property and construction financing, positions itself as a dedicated partner rather than a transactional call center at a moment when that differentiation carries weight.