{"id":78,"date":"2026-10-05T13:00:00","date_gmt":"2026-10-05T13:00:00","guid":{"rendered":"https:\/\/www.marisacainhomes.com\/blog\/?p=78"},"modified":"2026-10-05T13:00:00","modified_gmt":"2026-10-05T13:00:00","slug":"bargain-hunting-with-rates-above-7","status":"publish","type":"post","link":"https:\/\/www.marisacainhomes.com\/blog\/2026\/10\/05\/bargain-hunting-with-rates-above-7\/","title":{"rendered":"Bargain Hunting With Rates Above 7%"},"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\/bargain-hunting-mortgage-remotion-videos-a922\" 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>With mortgage rates holding above 7%\u2014a level not seen in years\u2014buyers may feel the pressure as borrowing costs rise and affordability becomes a central concern. My background in international finance has taught me how markets respond to signals from the Fed, and we\u2019re seeing those effects now: higher Treasury yields are keeping rates elevated, and the market is bracing for further tightening. For clients mapping out their next move, I often recommend building a rate cushion into your planning: one study suggests preparing for a half-point increase within three months, three-quarters by six months, and a full point by year\u2019s end.<\/p>\n<p>Interestingly, buyers who time their search later in the year tend to find more negotiating power. On average, homes were about 5% less expensive in early Q4 than in late Q2, with less competition and greater room to negotiate terms. With a roughly five-month housing supply last month, buyers have been able to secure better pricing, concessions on closing costs, discount points, or even temporary rate buydowns.<\/p>\n<p>If you\u2019re considering waiting, it\u2019s worth noting that while markets are currently anticipating more Fed policy moves, the broader objective is to cool inflation\u2014an eventual relief to mortgage costs. My approach always blends market insight with a steady hand, so you can make informed decisions even in shifting conditions.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>With mortgage rates holding above 7%\u2014a level not seen in years\u2014buyers may feel the pressure as borrowing costs rise and affordability becomes a central concern. My background in international finance has taught me how markets respond to signals from the Fed, and we\u2019re seeing those effects now: higher Treasury yields are keeping rates elevated, and [&hellip;]<\/p>\n","protected":false},"author":249,"featured_media":79,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-78","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\/78","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=78"}],"version-history":[{"count":1,"href":"https:\/\/www.marisacainhomes.com\/blog\/wp-json\/wp\/v2\/posts\/78\/revisions"}],"predecessor-version":[{"id":80,"href":"https:\/\/www.marisacainhomes.com\/blog\/wp-json\/wp\/v2\/posts\/78\/revisions\/80"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.marisacainhomes.com\/blog\/wp-json\/wp\/v2\/media\/79"}],"wp:attachment":[{"href":"https:\/\/www.marisacainhomes.com\/blog\/wp-json\/wp\/v2\/media?parent=78"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.marisacainhomes.com\/blog\/wp-json\/wp\/v2\/categories?post=78"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.marisacainhomes.com\/blog\/wp-json\/wp\/v2\/tags?post=78"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}