{"id":74,"date":"2026-10-04T12:00:00","date_gmt":"2026-10-04T12:00:00","guid":{"rendered":"https:\/\/www.marisacainhomes.com\/blog\/?p=74"},"modified":"2026-10-04T12:00:00","modified_gmt":"2026-10-04T12:00:00","slug":"nearly-80-of-mortgages-stay-below-6","status":"publish","type":"post","link":"https:\/\/www.marisacainhomes.com\/blog\/2026\/10\/04\/nearly-80-of-mortgages-stay-below-6\/","title":{"rendered":"Nearly 80% of Mortgages Stay Below 6%"},"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\/low-rate-mortgages-remotion-videos-e4fe\" 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>About half of outstanding mortgages carry rates at ~4% or lower, and nearly 80% sit below ~6%, giving many owners strong incentives to stay put.<br \/>\nRecent lender postings for new 30-yr fixed loans ran from low-6% to mid-7%, with a national weekly benchmark near 7%, raising replacement-loan costs.<br \/>\nA recent weekly uptick in new-loan pricing would add ~$21 to monthly principal and interest on a hypothetical $400K, 30-yr fixed mortgage.<br \/>\nStrong labor conditions and healthy economic growth continued to support housing activity, even as rate lock-in kept some existing owners less likely to move.<br \/>\nIn tight US markets, the supply lost when owners stay put can exceed lost demand, creating upward pressure on overall home prices.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>About half of outstanding mortgages carry rates at ~4% or lower, and nearly 80% sit below ~6%, giving many owners strong incentives to stay put. Recent lender postings for new 30-yr fixed loans ran from low-6% to mid-7%, with a national weekly benchmark near 7%, raising replacement-loan costs. A recent weekly uptick in new-loan pricing [&hellip;]<\/p>\n","protected":false},"author":249,"featured_media":75,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-74","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\/74","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=74"}],"version-history":[{"count":1,"href":"https:\/\/www.marisacainhomes.com\/blog\/wp-json\/wp\/v2\/posts\/74\/revisions"}],"predecessor-version":[{"id":77,"href":"https:\/\/www.marisacainhomes.com\/blog\/wp-json\/wp\/v2\/posts\/74\/revisions\/77"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.marisacainhomes.com\/blog\/wp-json\/wp\/v2\/media\/75"}],"wp:attachment":[{"href":"https:\/\/www.marisacainhomes.com\/blog\/wp-json\/wp\/v2\/media?parent=74"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.marisacainhomes.com\/blog\/wp-json\/wp\/v2\/categories?post=74"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.marisacainhomes.com\/blog\/wp-json\/wp\/v2\/tags?post=74"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}