{"id":31,"date":"2026-10-15T12:00:00","date_gmt":"2026-10-15T12:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/mariaesparzarealestate-com\/2026\/10\/15\/bargain-hunting-with-rates-above-7\/"},"modified":"2026-10-15T12:00:00","modified_gmt":"2026-10-15T12:00:00","slug":"bargain-hunting-with-rates-above-7","status":"publish","type":"post","link":"https:\/\/www.mariaesparzarealestate.com\/blog\/2026\/10\/15\/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\/maria-esparza-4\/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>Navigating the market with mortgage rates above 7% can feel daunting, but there are strategic opportunities for buyers who plan ahead. In my experience guiding both first-time homebuyers and seasoned investors, a thoughtful approach to rate changes is essential. Recent studies recommend building a cushion for potential rate increases\u2014think about a half-point within three months, three-quarters within six months, and a full point over the year.<\/p>\n<p>Interestingly, buyers who waited until later in the year often found homes priced about 5% lower in early Q4 compared to late Q2, with less competition and more room to negotiate. Last month\u2019s housing supply\u2014about five months\u2019 worth\u2014meant buyers had more leverage, whether that\u2019s on price, closing costs, discount points, or even temporary rate buydowns.<\/p>\n<p>While markets are currently pricing in further Fed tightening, the broader aim remains controlling inflation, which could bring some relief to mortgage costs down the road. I\u2019ve seen how a proactive strategy and clear understanding of these shifts can make all the difference for buyers in today\u2019s environment.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Navigating the market with mortgage rates above 7% can feel daunting, but there are strategic opportunities for buyers who plan ahead. In my experience guiding both first-time homebuyers and seasoned investors, a thoughtful approach to rate changes is essential. Recent studies recommend building a cushion for potential rate increases\u2014think about a half-point within three months, [&hellip;]<\/p>\n","protected":false},"author":558,"featured_media":32,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-31","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.mariaesparzarealestate.com\/blog\/wp-json\/wp\/v2\/posts\/31","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.mariaesparzarealestate.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.mariaesparzarealestate.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.mariaesparzarealestate.com\/blog\/wp-json\/wp\/v2\/users\/558"}],"replies":[{"embeddable":true,"href":"https:\/\/www.mariaesparzarealestate.com\/blog\/wp-json\/wp\/v2\/comments?post=31"}],"version-history":[{"count":0,"href":"https:\/\/www.mariaesparzarealestate.com\/blog\/wp-json\/wp\/v2\/posts\/31\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.mariaesparzarealestate.com\/blog\/wp-json\/wp\/v2\/media\/32"}],"wp:attachment":[{"href":"https:\/\/www.mariaesparzarealestate.com\/blog\/wp-json\/wp\/v2\/media?parent=31"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mariaesparzarealestate.com\/blog\/wp-json\/wp\/v2\/categories?post=31"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mariaesparzarealestate.com\/blog\/wp-json\/wp\/v2\/tags?post=31"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}