{"id":3370,"date":"2021-01-19T05:00:49","date_gmt":"2021-01-19T11:00:49","guid":{"rendered":"https:\/\/nwiloanguy.com\/blog\/should-i-wait-for-lower-mortgage-interest-rates\/"},"modified":"2022-11-16T14:29:31","modified_gmt":"2022-11-16T20:29:31","slug":"should-i-wait-for-lower-mortgage-interest-rates","status":"publish","type":"post","link":"https:\/\/nwiloanguy.com\/blog\/should-i-wait-for-lower-mortgage-interest-rates\/","title":{"rendered":"Should I Wait for Lower Mortgage Interest Rates?"},"content":{"rendered":"

\"Should<\/p>\n

Historically low mortgage rates are a big motivator for homebuyers right now. In 2020 alone, rates hit new record-lows<\/a> 16 times, and the trend continued into the early part of this year. Many hopeful homebuyers are now wondering if they should put their plans on hold and wait for the lowest rates imaginable. However, the reality is, acting sooner rather than later may be the actual win if you\u2019re ready to buy a home.<\/span><\/p>\n

According<\/a> to Greg McBride, Chief Financial Analyst<\/em> for Bankrate<\/em>:<\/p>\n

\n

\u201cAs vaccines become more widely available and a return to normal starts to come into view, we\u2019ll see mortgage rates bounce off the record lows<\/strong>.\u201d<\/em><\/p>\n<\/blockquote>\n

While only a slight increase in mortgage rates is projected for 2021, some experts believe they will start to rise. Over the past week, for example, the average mortgage rate ticked up slightly, reaching 2.79%<\/a>. This is still incredibly low compared to the trends<\/a> we\u2019ve seen over time. According to Freddie Mac<\/em>:<\/p>\n

\n

\u201cBorrowers are smart to take advantage of these low rates now<\/strong> and will certainly benefit as a result.\u201d<\/em><\/p>\n<\/blockquote>\n

Here\u2019s why.<\/strong><\/h4>\n

As mortgage rates rise, the increase impacts the overall cost<\/a> of purchasing a home. The higher the rate, the higher your monthly mortgage payment, especially as home prices<\/a> rise too. Sam Khater, Chief Economist<\/em> at Freddie Mac<\/em>, says:<\/p>\n

\n

\u201cThe forces behind the drop in rates have been shifting over the last few months and rates are poised to rise modestly this year.<\/strong> The combination of rising mortgage rates and increasing home prices will accelerate the decline in affordability and further squeeze potential homebuyers during the spring home sales season.\u201d<\/em><\/p>\n<\/blockquote>\n

What does this mean for buyers?<\/strong><\/h4>\n

Right now, the inventory of houses for sale is also at a historic low, making it more challenging than normal to find a home to buy in many areas. As more buyers hit the market in the typically busy spring buying season, it may become even harder to find a home in the coming months. With this in mind, Len Keifer, Deputy Chief Economist<\/em> for Freddie Mac<\/em>, recommends<\/a> taking advantage of both low mortgage rates and the opportunity to buy:<\/p>\n

\n

\u201cIf you\u2019ve found a home that fits your needs at a price you can afford, it might be better to act now rather than wait for future rate declines that may never come <\/strong>and a future that likely holds very tight inventory.\u201d<\/em><\/p>\n<\/blockquote>\n

Bottom Line<\/strong><\/h3>\n

While today\u2019s low mortgage rates provide great opportunities for homebuyers, we may not see them stick around forever. If you\u2019re ready to buy a home, let\u2019s connect so you can take advantage of what today\u2019s market has to offer.<\/p>\n

Source: New feed<\/p>\n","protected":false},"excerpt":{"rendered":"

Historically low mortgage rates are a big motivator for homebuyers right now. In 2020 alone, rates hit new record-lows 16 times, and the trend continued into the early part of this year. Many hopeful homebuyers are now wondering if they should put their plans on hold and wait for the lowest rates imaginable. However, the […]<\/p>\n","protected":false},"author":1,"featured_media":3371,"comment_status":"false","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rop_custom_images_group":[],"rop_custom_messages_group":[],"rop_publish_now":"initial","rop_publish_now_accounts":{"facebook_10157519356927224_105287467588662":"","twitter_15771620_15771620":""},"rop_publish_now_history":[],"rop_publish_now_status":"pending","_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[1],"tags":[54],"class_list":{"0":"post-3370","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-local-info","8":"tag-100-financing","9":"entry"},"yoast_head":"\nShould I Wait for Lower Mortgage Interest Rates?—NWI Loan Guy Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/nwiloanguy.com\/blog\/should-i-wait-for-lower-mortgage-interest-rates\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Should I Wait for Lower Mortgage Interest Rates?—NWI Loan Guy Blog\" \/>\n<meta property=\"og:description\" content=\"Historically low mortgage rates are a big motivator for homebuyers right now. 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