Is A Large Down Payment Still a Wise Strategy?

How should buyers structure their deals when rates are still elevated?on the Fed.”

In this episode of Today in Mortgages, Michael David and Rich Jefferson tackle one of the biggest questions facing homebuyers today: Is putting more money down actually worth it?

You’ll also hear practical advice for buyers navigating daily rate swings, including why locking at the right moment can matter more than trying to time the market perfectly.

They explore current buyer behavior, common mistakes first‑time buyers make, and why having liquidity often beats chasing the lowest possible interest rate. From refinancing strategies to mortgage insurance planning, this conversation offers practical insight for buyers and valuable coaching perspective for loan officers.

If you’re in the mortgage or real estate business — or thinking about buying a home — this episode delivers real‑world clarity without the hype.

Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297.

The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.