Loan officers must educate the consumer this time around. Education is not only about what rate am I getting, it is how do I end up with this rate. Questions and answers of how do I get to my rate and what determines that rate, There are many new adjustments that come into play. Credit scores, loan to values, and what is the actual rate do you need to meet ratio. There will be times when an applicant will have to pay points to qualify. Properly educated the consumer will learn just how their rate is determined.