Chasing low mortgage rates is exhausting. Day-to-day fluctuations, combined with rates that vary by location and credit score, add to the frustration. What you need is a strategy. Here are eight hacks 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 surprising truth: the lenders offering the ...