Yes, rising interest rates can affect your mortgage options—but not always in a bad way. Higher rates often encourage buyers to explore smarter solutions like fixed-rate loans, rate locks, or creative financing options. They also highlight the importance of strong credit and financial planning. While monthly payments may rise, there are still competitive deals for well-prepared borrowers. Plus, a slower housing market can mean less competition and better negotiating power. With the right strategy, you can still secure a great mortgage in 2025!