How to Rock Rising Mortgage Rates!!!

Mortgage and Lending with US Bank NMLS: 22343

How to Rock Rising Mortgage Rates!!!



No doubt about it, since 2022 got underway, mortgage rates have been on a stairway higher and that makes it harder for our buyers to qualify for a mortgage on one hand and even when they do qualify, it puts additional strain on their household budget on the other.


So how can buyers and owners keep their rate and payment as low as possible despite rising interest rates?  In this short video, I cover three classic ways to "fight the Fed:"


  1. Paying discount points.
  2. Choosing an ARM over a fixed rate loan.
  3. Considering an interest-only mortgage program.


Wanna buy a home this year but not end up "house poor?"  Let's wind on down the road of some of the most effective strategies.


Really makes me wonder,



Rob Spinosa
SVP of Mortgage Lending

Guaranteed Rate
NMLS: 22343 
Cell/Text: 415-367-5959


Marin Office:  324 Sir Francis Drake Blvd., San Anselmo, CA  94960 

*The views and opinions expressed on this site about work-related matters are my own, have not been reviewed or approved by Guaranteed Rate and do not necessarily represent the views and opinions of Guaranteed Rate.  In no way do I commit Guaranteed Rate to any position on any matter or issue without the express prior written consent of Guaranteed Rate's Human Resources Department.

Comments (9)

Anna "Banana" Kruchten
HomeSmart Real Estate - Phoenix, AZ

Hi Rob great information on how home buyers can navigate the rising interest rates and still be able to purchase a home.

Jun 09, 2022 10:40 AM
Carol Williams
Although I'm retired, I love sharing my knowledge and learning from other real estate industry professionals. - Wenatchee, WA
Retired Agent / Broker / Prop. Mgr, Wenatchee, WA

Depending on the individual long-term and short-term plans, there are money-saving strategies that make sense!

Jun 10, 2022 03:10 PM
Grant Schneider
Performance Development Strategies - Armonk, NY
Your Coach Helping You Create Successful Outcomes

Good morning Rob - this video is a wonderful bit of information for buyers right now.

Jun 11, 2022 04:00 AM
Wayne Martin
Wayne M Martin - Chicago, IL
Real Estate Broker - Retired

Good morning Rob. Discount points were a fact of life when I entered real estate in the early 70's. They supported the Savings & Loan industry and rates were below 8%. Those were the days. Defaults low and more people qualified. Enjoy your day.

Jun 11, 2022 05:16 AM
Leanne Smith
Dirt Road Real Estate - Golden Valley, AZ
Relocation to NW AZ with elbow room & more freedom

Agree with others as the old expression goes there is more than one way to skin a cat.

Jun 11, 2022 07:08 AM
Dorie Dillard Austin TX
Coldwell Banker Realty ~ 512.750.6899 - Austin, TX
NW Austin ~ Canyon Creek and Spicewood/Balcones

Good morning Rob,

Great post on a very hot topic right now. I'm so glad Carol Williams featured your post in her Second Chance Saturday Series. There are strategies that can be followed that can still make it possible for buyers to purchase a home. We just have to think out side the box more!

Jun 11, 2022 09:29 AM
Diana Dahlberg
1 Month Realty - Pleasant Prairie, WI
Real Estate in Kenosha, WI since 1994 262-308-3563

Every buyer's situation is different, and it is so important that they evaluate and educate before making the largest investment in their life -- buying a home.  Great information Rob Spinosa ... and THANK YOU for sharing!

Jun 11, 2022 10:15 AM
Jan Green - Scottsdale, AZ
Value Added Service, 602-620-2699 - Scottsdale, AZ
HomeSmart Elite Group, REALTOR®, EcoBroker, GREEN

Great strategies for home buyers looking to finance a home.  Having all of their options to make the best informed decision is a must in today's rising interest rate housing market. 

Great guitar picks and excellent video content!  I watched the entire video :)   

Jun 13, 2022 04:04 PM
Kristin Johnston - REALTOR®
RE/MAX Platinum - Waukesha, WI
Giving Back With Each Home Sold!

Great information.   Thanks for sharing and enjoy your day!

Oct 25, 2022 07:45 AM