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not sure if you guys heard but it looks like President Biden has effectively lowered interest rates by about half a percent and we will get into the math for low and moderate moderate income folks if youre not paying attention what did President Biden and the team do today they basically lowered the cost of mortgage insurance yes folks if you have to use mortgage insurance what they have effectively done is saved you about eight hundred dollars a year now how does 800 savings translate to a lower interest rate let me do the math for you so first and foremost folks take 800 and divide by 12 you should get about 66 dollars a month so yes President Biden has lowered your mortgage payment 66 dollars because mortgage insurance has been reduced now Michael how can that correlate to interest rate well when in doubt I do the math so if you take a mortgage of two hundred thousand dollars which is a first time home for lots of folks and you put in seven and a half percent and seven percent you