# @mgthemortgageguy on Instagram

- **Type:** Image
- **Original URL:** https://www.instagram.com/p/DU_C4nfjSAg
- **Gondola URL:** https://gondola.cc/posts/57015528-mgthemortgageguy-instagram
- **Thumbnail:** https://img.gondola.cc/tr:w-,h-,fo-auto/postThumbnails/e179b9cd30.jpg
- **Posted:** 2026-02-20T15:40:44.000+00:00
- **Account Owner:** Matthew Garland NMLS#58700 (@mgthemortgageguy) — https://gondola.cc/mgthemortgageguy

## Caption

Rates just dropped to 6.01% — the lowest level in more than 3 years.

But let’s be clear…

That headline applies to average 30-year fixed rates on primary, 1-family homes.

It does NOT automatically apply to:
• Multi-family properties
• Investment properties
• Non-owner occupied deals
• Specialty loan programs

Different risk. Different pricing. Different strategy.

This is why you can’t build your plan off headlines.

You need to know:
What property type?
Primary or investment?
What credit profile?
What loan program?

The rate is just one piece of the equation.

If you’re planning to buy and want a real breakdown of what YOU qualify for — not what the internet says…

Comment STRATEGY and book a strategy call. Let’s map it out properly.

#mgthemortgageguy 
#mortgagerates

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## Tags

mortgagerates, mgthemortgageguy

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