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Facebook Live: How to Negotiate Your Mortgage Terms

Lissette Gonzalez, Sheena Lansanah, Erica Rawls February 17, 2026

During this episode of Keeping it Real: Real Estate and Real Issues, Lissette Gonzalez, Sheena Lansanah and Erica Rawls sat down to talk about how to negotiate your mortgage rates when buying or refinancing a home.
 
We learned some helpful information that home buyers have the ability to negotiate their mortgage terms; however, you must have something to leverage like good credit.
 
Watch our latest Facebook live to learn how you can negotiate your mortgage terms.
 
Tune in every other Wednesday at 12 p.m. on Facebook @ericarawlsteam for more Keeping it Real Facebook Live episodes.
 
You can watch past episodes of our Facebook Live show posted on our blog.
 
**Note to Add:** In the video, Erica misspoke about the loan to value. The correct information is as follows:
 
 Once you have an 80% loan to value; meaning you have at least 20% equity, NOT 80% equity in your home, that is when your mortgage insurance will or should drop off.
 
We challenge you to review the market on a yearly basis because you may be able to get your mortgage insurance dropped prematurely due to home values increasing but most likely will need an appraisal.

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The Erica Rawls Team is a real estate team at Keller Williams of Central PA serving Harrisburg, PA and Central Pennsylvania. Schedule an appointment with one of our real estate agents today!

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