Every week, I receive dozens of emails telling me it is my "last chance" to do something. The one thing that all of these "last chance" emails have in common is the urgency with which I must spend my money.
In the mortgage industry, "last chance" marketing is very common. This is your last chance to lock in a low interest rate, your last chance to refinance, your last chance to have a low down payment, and your last chance to buy a house before they're all gone and you end up living under a bridge.
Guess what? It's never your last chance. Things certainly change all the time - sometimes for the better and sometimes for the worse, but it's never your last chance to get a mortgage.
When you get a mortgage, the best way to think about it is that you will be stuck with it for the next 30 years. If you're happy with that, then get it. If you're not happy with that, then don't get it. Either way, it's never your last chance.
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