If you’re just accepting the rate on the bank’s website… you could be paying more than you need to.
In this lesson, Ben explains why published (aka retail) interest rates are just a starting point—not the final offer. The truth is, most lenders expect you to negotiate. And if you don’t, you’re likely leaving money on the table.
The good news? With the right knowledge—or support from someone who knows the lender landscape inside out—you can push for sharper pricing and potentially save thousands over the life of your loan.
Bottom line: never pay the sticker price. Mortgage rates are negotiable, and this lesson shows you how to approach that conversation with confidence.
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