# Part 2: What Do Borrowers Care About Most?

By Andre Makapagal (@andremakapagal) · Published 2026-10-27

Canonical: https://voce.com/@andremakapagal/part-2-what-do-borrowers-care-about-most

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![Pink Floyd The Wall Album Cover](https://convex.voce.com/api/storage/227e68f1-400f-47f0-be12-20cea64353e2)

Writing an article on [Experience.com](http://Experience.com) is equivalent to the song lyrics (_Comfortably Numb - Pink Floyd_) _"is there anybody in there?...just nod if you can hear me...is there anyone home?"_

And no, AI doesn't generate any of my Voce content - it's straight from my high school degree noggin'. **(not so) Fun Fact:** I was "enrolled" at California State University @ Fresno, but my first year was spent perfecting my Texas Hold 'em skills and taking money from the other dorm students. After my first semester of college, I was infamously voted _AP Captain (academic probation)_ by the other _dormies_. 😟

"C's get degrees!" Not me, unfortunately....and yes, my adult kids know this story!

![](https://convex.voce.com/api/storage/511eca15-5e7f-423c-a181-27f52c6fa630)

I digress.

![](https://convex.voce.com/api/storage/deca6b68-9f51-4162-866a-566aba61f9b8)

[@ChadWagner](https://voce.com/@chadwagner) ([Experience.com](http://Experience.com)) reads some of my articles and he is the winner (of nothing) by answering the "tease" question of my last article: "What was their #2 concern?"

[Part 1 of this article](https://voce.com/@andremakapagal/borrowers-care-fwzem4), I made a case that **interest rates are NOT the borrower's _primary_ _concern_ when purchasing a home.**

In my opinion, and a billionaire's small survey of regular folks, the **2nd most important concern** **of borrowers is their monthly payment (PITI)**. _"Yeah, Andre, we know that! You're conflating your 1st article and this article and treating them as if they're different concerns."_ OK, Einstein. _(btw, why do we use 'Einstein' as a perjorative when referring to a dummy?)_

Interest rates are important because it's what many of our borrowers hear all day long from Bloomberg, CNBC, FOMC, MSM, et al.

However, **liquidity** (the mortgage auto-payment from a borrower's checking account) resonates the loudest with your borrower, not an .125 of a point. There are "Dave Ramsey" borrowers who will look at the 30-year ammoritization schedule and say, _"See, I'm saving $xx,xxx in interest payments over 30 years because of that eighth of a point!"_ Fair enough. Point conceded.

**However, most of our borrowers buy "you"...not the interest rate!**

Recap:

Concern #1: Cash To Close (money-out-of-pocket)

Concern #2: Monthly Payment (money-out-of-pocket)

Concern #3: @ChadWagner **_you got a guess?_**