How to Get a 4% Mortgage Rate in 2026?

Mortgage rates in 2026 average around 6.7% for a 30-year fixed loan, making 4% rates rare but achievable through strategies like government-backed loans (USDA, VA), shorter loan terms, adjustable-rate mortgages, discount points, and seller concessions. Securing the best rates requires excellent credit, low debt-to-income ratios, and sizable down payments. Buying down rates with discount points can lower rates but involves significant upfront costs and a breakeven period.