Many homeowners feel stuck because they can’t refinance due to strict lending criteria. Unfortunately, this often means they’re stuck with some of the worst loan deals in the market. 💡 Here’s the reality: lenders know which mortgage holders have limited options—and they don’t rush to offer them better deals. But with this rate cut, things have changed. ✅ A 0.25% drop in interest rates can improve your loan servicing capacity, meaning you might now qualify for refinancing. ✅ This unlocks access to lower rates and better deals that could save you thousands per year. ✅ If refinancing was previously out of reach, now is the time to check again—the difference could be life-changing!