Looking for the most recent Strands answer? Click here for our daily Strands hints, as well as our daily answers and hints for The New York Times Mini Crossword, Wordle, Connections and Connections: Sports Edition puzzles.

Today’s NYT Strands puzzle will hit all the right notes with musicians. If you need hints and answers, read on.

I go into depth about the rules for Strands in this story. 

If you’re looking for today’s Wordle, Connections and Mini Crossword answers, you can visit CNET’s NYT puzzle hints page.

Read more: NYT Connections Turns 1: These Are the 5 Toughest Puzzles So Far

Hint for today’s Strands puzzle

Today’s Strands theme is: Key notes.

If that doesn’t help you, here’s a clue: Classical music.

Clue words to unlock in-game hints

Your goal is to find hidden words that fit the puzzle’s theme. If you’re stuck, find any words you can. Every time you find three words of four letters or more, Strands will reveal one of the theme words. These are the words I used to get those hints but any words of four or more letters that you find will work:

• MAST, SAME, PENT, PILE, NOPE, POLICE, LICE, TREE, TREED, POPE, PEED, DEEP, TEEN, COST, COSTS.

Answers for today’s Strands puzzle

These are the answers that tie into the theme. The goal of the puzzle is to find them all, including the spangram, a theme word that reaches from one side of the puzzle to the other. When you have all of them (I originally thought there were always eight but learned that the number can vary), every letter on the board will be used. Here are the nonspangram answers:

• ETUDE, SUITE, MINUET, SONATA, PRELUDE, NOCTURNE

Today’s Strands spangram

Today’s Strands spangram is PIANOPIECES. To find it, start with the P that’s three letters to the right on the top row, and wind down.

At Summer Game Fest, I tried a game that was bold enough to ask: Why doesn’t Stardew Valley have more murder? Grave Seasons, due out next year, is a cozy farming sim with a morbid edge: It’s about all the friends (and romantic partners) you make along the bloody way to stopping a serial killer.

A little bit into the short demo of Grave Seasons, I took to the fields to clean up the run-down farm I’d broken into and decided to adopt, only to find a severed hand. It’s fitting for an indie title published by Blumhouse Games, a division of Blumhouse Productions, which, with the gaming unit, began expanding beyond its work in horror films to publish titles like last year’s Fear the Spotlight.

Grave Seasons is a cozy horror game that seems like it will deftly mix the serene and gruesome, appealing to fans of Dredge and other calming games tinged with the sinister. Players take on the role of a prison escapee who breaks into, and adopts, a farm in the town of Ashenridge, only to find that it’s riddled with dark secrets.

But it wasn’t just occult labs in the basement and body parts unearthed from the fields that made the game feel delightfully grim. After I’d made some early friends, my demo ended with a shocking twist: One of my new pals, who asked me to join them for a midnight walk in the nearby woods, got ambushed by a hideous monster and brutally murdered. Even the game’s charming sprite graphics didn’t spare my eyes from the ick of dismemberment. 

«We are huge fans of games that blend that sort of coziness mixed with a sense of unease,» said Emmett Nahil, narrative designer at studio Perfect Garbage, which developed Grave Seasons (Blumhouse is the publisher). Nahil cited games like Dredge, Into The Woods and Cult of the Lamb as inspirations.

In Grave Seasons, these murders happen seasonally, said lead programmer Nicky Armstrong. But you have enough time between sowing crops and cleaning up your farm to figure out what might be happening. You can try to befriend the many people you meet around town, and even discover who the killer is. 

But if you’re playing Grave Seasons alongside real-life friends, don’t worry about them spoiling the killer’s identity for you — the game’s inspired design randomly assigns the murderer from a subset of the approximately 40 characters you encounter in the game. Like any good cozy farming game, you can romance many of them, including the hunky Hari that I met first in the demo. And in an even better twist, the person you’re romancing might end up being the killer, too.

Beyond video games, Nahil cited folk horror and monster films as inspirations that led to Grave Seasons’ unique tone. 

«The original Wicker Man is actually a huge inspiration for me,» Nahil said. «We have some really cool events [in Grave Seasons] that tell you a bit more about the lore of the world. Obviously, creature features like early Hammer Horror are a huge one for me, where you get to see different monsters, different creatures, and there’s a sort of sense of pathos that goes along with those creatures.»

Another design quirk that sets Grave Seasons apart is starting the game with a protagonist on the lam from prison — a departure from Stardew Valley and other farming sims where it’s good vibes from the get-go. Instead, in this game players start with a sense of tension, since they can’t go to the cops about the serial killer prowling around town.

«It helps place the player in the idea that they are on their own and have to use their wits, and really focus on their skills to help the town and themselves — or hinder the town and help the killer,» Nahil said.

In other words, a playthrough of Grave Seasons can go several different ways depending on the randomized killer and the choices players make. That was a design choice for Perfect Garbage, which wanted to divert from the indefinite playtime of Stardew Valley or Harvest Moon games in order to tell a story.

«We really want you to experience the narrative that we’ve crafted and play the game to its conclusion … whether that is a positive or a negative conclusion,» Armstrong said. «We still want you to experience it to its end and have a really good time with one playthrough of the game, and then we’d love for you to play it again and experience a different story, a different killer, a different outcome.»

That storytelling applies to the killers, too. Whether romanceable or not, all characters have a backstory to discover as you befriend and get closer to them. The potential murderers have motivations and storylines that the player can dig into, which will change elements within the world that they might discover and ask around about.

But in closing, I asked Armstrong and Nahil perhaps the most important question: Which of the game’s 40 or so characters would they date? 

«Oh, my boy Hari is right there in the demo, yeah,» said Armstrong.

«He’s not in the demo, but Noah, honestly,» Nahil said. «Our buff fisherman is my romance of choice.»

That’s amusing to know, but it also shows that the game contains multitudes. Many other farming sims have the cozy part down, but Grave Seasons seems like it’ll let the discomfort of morbid effects and murder be a counterweight tension that complexifies the comforting monotony of farming. Amid alternating between growing life and fearing for your own, why wouldn’t you find someone to date? 

Grave Seasons is scheduled to come out on PC, PS5, Xbox Series X/S and Nintendo Switch in 2026.

If you’re looking to buy a home, you probably know that housing affordability is in the dumps. Record-high prices and high mortgage rates are serving a double whammy to prospective buyers everywhere. 

But mortgage rates aren’t set in stone. Although current rates are hovering near 7%, more borrowers are finding creative ways to snag rates below what lenders advertise. Last year, nearly half of buyers purchased a home at a rate below 5%, according to Zillow. 

«With borrowing costs elevated, buyers can take steps to reduce their housing expenses by securing a lower mortgage rate,» said Hannah Jones, senior research analyst at Realtor.com. 

The market forces that influence mortgage rates are out of your control. However, if you’re financially prepared and shop around, you can save up to 1.5% on your personalized rate. Optimizing your credit score, making a larger down payment and negotiating with multiple lenders could also help you unlock homeownership in 2025. 

Even a 1% difference in your rate can translate to about 10% savings on your monthly mortgage payment and tens of thousands of dollars in savings over the course of your loan.

Here are several ways to reduce your mortgage rate. 

1. Improve your credit score

If your credit needs work, consider taking steps to raise your credit score before applying for a mortgage. 

Lenders look at your credit score to decide whether you qualify for a home loan and what interest rate you receive. FICO credit scores range from 300 to 850, with 850 being the best score possible. Higher credit scores show you’ve managed debt responsibly in the past so it lowers your risk to a lender. This can help you secure a lower interest rate and save big. 

«The best mortgage rates and products are typically reserved for those with a credit score of 740 or better,» said Sarah DeFlorio, vice president of mortgage banking at William Raveis Mortgage.

According to a 2024 Lending Tree study, when borrowers moved from the «fair» credit score range (580 to 669) to the «very good» range (740 to 799), they shaved 0.22% percentage points off their interest rate. That rate difference helped borrowers save $16,677 over the lifetime of a home loan.

2. Increase your down payment

Your down payment is the amount of money you contribute to your home purchase upfront. Each type of home loan comes with a minimum down payment, usually ranging from zero to 5%, but a higher down payment means a cheaper interest rate. That’s because the lender takes on less risk when you contribute more toward the loan. 

Because a down payment lowers your mortgage rate and builds your home equity, home loan experts often recommend making a large down payment of at least 20%. 

3. Take out an adjustable-rate mortgage

An adjustable-rate mortgage, or ARM, is a home loan with a fixed rate for a set introductory period, such as five years. Once that period ends, the interest rate can go up or down in regular intervals for the remaining term. 

The big appeal of ARMs is that the introductory interest rate is often lower than the rate on traditional mortgages. In general, the average 5/1 ARM rate is about 0.5% lower for the first several years than the average rate for 30-year fixed-rate mortgages. 

4. Negotiate your mortgage rate

When you’re applying for mortgage loans, you don’t have to go with the company that did your preapproval. In fact, research shows that getting rate quotes from multiple lenders and comparing offers can result in significant savings. 

If you want to use this strategy, start by submitting a mortgage application with lenders that fit your criteria. Once you have a few loan estimates in hand, use the best one to negotiate with the lender you want to work with. 

The loan officer may lower your rate, help you save on closing costs or offer other incentives to get you onboard. In a 2023 LendingTree survey, 39% of homebuyers negotiated the interest rate on their most recent home purchase. Out of that pool of buyers, 80% were able to get a better deal.  

5. Choose a shorter home loan term

Nearly 90% of homebuyers choose a 30-year fixed mortgage term because it offers the most flexibility and monthly payment affordability. Payments are lower because they’re stretched over a longer timeline, but you can always put more toward the principal here and there. 

But when you take out a longer-term home loan, «you’re holding up the lender’s money, and there’s an opportunity cost for the funds to be invested elsewhere,» said Nicole Rueth, SVP of the Rueth Team Powered by Movement Mortgage.

Shorter loan terms, such as 10-year and 15-year mortgages and ARMs, have lower interest rates, so you can reduce your rate now.

Choosing a shorter repayment term could help you save money because you’ll be paying less in interest over the long term. But don’t make the homebuying mistake of choosing a shorter loan term just for the lower rate. Shorter loan terms mean you’ll have less time to repay the money you borrow, resulting in higher monthly payments, so it’s important to ensure they fit within your budget.

6. Buy mortgage points

A mortgage point, also known as a mortgage discount point, is an upfront fee you can pay the lender in exchange for a lower interest rate on your home loan. 

Each point costs 1% of the purchase price of a home and usually knocks the rate down by 0.25%. On a $400,000 home, you’d pay $4,000 for one discount point. The lender may even allow you to buy four mortgage points to lower the rate from 7% to 6%, although you’d have to shell out $16,000 to get there. 

To check whether this strategy is worthwhile, take the total cost of the points and compare it to the overall monthly savings. In this case, when you pay $16,000 to buy four points and save $210 per month, it would take you more than six years to reach your break-even point. 

Some experts encourage putting any extra money you have toward a down payment instead of buying points. That’s because if you sell the home or refinance before reaching your break-even point, you lose money. But the amount you spent on your down payment becomes part of your equity. 

7. Get a temporary mortgage rate buydown 

A temporary mortgage rate buydown involves paying a fee at closing to lower your interest rate for the first few years of your loan term. Because of the considerable upfront cost, this strategy only makes financial sense when someone else pays that fee. Home builders, sellers and even some lenders may offer to cover this type of buydown to boost sales, especially when market rates are elevated. 

For example, a lender may offer a «3-2-1» buydown, where the interest rate is slashed by 3 percentage points in the first year, 2 percentage points in the second year and 1 percentage point in the third. Starting in the fourth year, you pay the full rate for the rest of the loan term.

Buyers often choose a temporary buydown and plan to refinance later on. Your buydown funds are refundable and you can use them toward closing costs when you refinance (if rates do drop). 

What is a ‘good’ mortgage rate?

The majority of US adults would consider purchasing a home if rates were to drop to 4% or below. Yet most mortgage forecasts don’t project average rates dipping below 6.5% this year.

In a historical sense, a good mortgage rate is generally at or below the national average. Since 1971, the 30-year fixed mortgage rate has averaged 7.72%, according to Freddie Mac. In the last year, average mortgage rates have mostly fluctuated between 6% and 7%.

Affordability is relative to your overall financial situation. And because mortgage rates can change daily and even hourly, the definition of a «good» rate can change quickly. 

«What matters is the rate you can get today,» said Colin Robertson, founder of The Truth About Mortgage. According to Robertson, the only way to know if you’re getting a good deal is to speak with a few different lenders and brokers and then compare their quotes against the daily or weekly averages. 

Buying a home is a personal decision so it should feel right for your situation and budget. As you shop for a home, consider multiple strategies to lower your rate. A mortgage calculator can help you estimate what you’d pay each month.

Read more: Still Chasing 2% Mortgage Rates? Here’s Why It’s Time to Let Them Go