here are several ways you can lower your mortgage rate:
Work on your credit scores. This way, your risk profile will reduce, and lenders will be more inclined to offer you better rates.
Save up for a bigger down payment. The more you’re willing to invest upfront, the less risky you’ll be for the lender.
Consider a shorter loan term. While your monthly payments will be markedly higher, you'll pay less throughout the loan since you'll enjoy lower interest rates.
Apply with several lenders to ensure you get the best rate possible.