{"id":470,"date":"2026-10-12T15:00:00","date_gmt":"2026-10-12T15:00:00","guid":{"rendered":"https:\/\/www.marisacainhomes.com\/blog\/?p=470"},"modified":"2026-10-12T15:00:00","modified_gmt":"2026-10-12T15:00:00","slug":"mortgage-rates-arent-backing-down-yet","status":"publish","type":"post","link":"https:\/\/www.marisacainhomes.com\/blog\/2026\/10\/12\/mortgage-rates-arent-backing-down-yet\/","title":{"rendered":"Mortgage Rates Aren\u2019t Backing Down Yet"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\" src=\"https:\/\/www.roomvu.com\/agent\/embed\/marisa-cain\/rates-baking-yet\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>Mortgage rates remain stubbornly high, hovering near 7% as we approach year-end. For many of you looking to buy, sell, or refinance, this means affordability continues to be a challenge\u2014unless we see inflation cool off enough to shift the Fed\u2019s direction. My background in international finance keeps me attuned to the signals: persistent inflation, the possibility of another Fed rate hike, and wider mortgage-backed securities spreads are all factors keeping borrowing costs elevated. A meaningful drop in rates would require clear progress on inflation, calmer long-term yields, and more favorable signals from the Fed and the MBS market. For now, today\u2019s rates are the baseline for any planning. If the landscape shifts, consider that a welcome bonus. Navigating these complexities takes both perspective and experience\u2014a combination I bring from years in global finance and now, residential real estate.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Mortgage rates remain stubbornly high, hovering near 7% as we approach year-end. For many of you looking to buy, sell, or refinance, this means affordability continues to be a challenge\u2014unless we see inflation cool off enough to shift the Fed\u2019s direction. My background in international finance keeps me attuned to the signals: persistent inflation, the [&hellip;]<\/p>\n","protected":false},"author":249,"featured_media":471,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-470","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.marisacainhomes.com\/blog\/wp-json\/wp\/v2\/posts\/470","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.marisacainhomes.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.marisacainhomes.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.marisacainhomes.com\/blog\/wp-json\/wp\/v2\/users\/249"}],"replies":[{"embeddable":true,"href":"https:\/\/www.marisacainhomes.com\/blog\/wp-json\/wp\/v2\/comments?post=470"}],"version-history":[{"count":1,"href":"https:\/\/www.marisacainhomes.com\/blog\/wp-json\/wp\/v2\/posts\/470\/revisions"}],"predecessor-version":[{"id":596,"href":"https:\/\/www.marisacainhomes.com\/blog\/wp-json\/wp\/v2\/posts\/470\/revisions\/596"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.marisacainhomes.com\/blog\/wp-json\/wp\/v2\/media\/471"}],"wp:attachment":[{"href":"https:\/\/www.marisacainhomes.com\/blog\/wp-json\/wp\/v2\/media?parent=470"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.marisacainhomes.com\/blog\/wp-json\/wp\/v2\/categories?post=470"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.marisacainhomes.com\/blog\/wp-json\/wp\/v2\/tags?post=470"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}