Host Deborah Morton of Inside Georgia Real Estate and managing partner of The Agency Atlanta sits down with returning guest Martine Nedou of Acclara Lending, powered by Barrett Financial, to break down what buyers are really facing in today's mortgage market. From rate locks to seller concessions to hidden closing costs, this episode pulls back the curtain on the financing side of buying a home.

What You'll Learn

• Why mortgage rates bouncing between six and seven percent is creating shock for pre-qualified buyers, and how it's fueling a rise in contract terminations (roughly one in three in 2026)
• The real difference between what you think you can afford and what the numbers actually show once taxes, insurance, and HOA fees enter the picture
• How rate locks work, when to lock (usually within 30 days of closing), and  ...