{"id":3842,"date":"2021-11-08T05:00:45","date_gmt":"2021-11-08T11:00:45","guid":{"rendered":"https:\/\/nwiloanguy.com\/blog\/two-graphs-that-show-why-you-shouldnt-be-upset-about-3-mortgage-rates\/"},"modified":"2021-11-08T05:00:45","modified_gmt":"2021-11-08T11:00:45","slug":"two-graphs-that-show-why-you-shouldnt-be-upset-about-3-mortgage-rates","status":"publish","type":"post","link":"https:\/\/nwiloanguy.com\/blog\/two-graphs-that-show-why-you-shouldnt-be-upset-about-3-mortgage-rates\/","title":{"rendered":"Two Graphs That Show Why You Shouldn\u2019t Be Upset About 3% Mortgage Rates"},"content":{"rendered":"<p><img data-recalc-dims=\"1\" decoding=\"async\"  src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2021\/11\/04171114\/20211108-KCM-Share-549x300.jpg?w=358&#038;ssl=1\" class=\"webfeedsFeaturedVisual wp-post-image\" alt=\"Two Graphs That Show Why You Shouldn\u2019t Be Upset About 3% Mortgage Rates | Simplifying The Market\" loading=\"lazy\" style=\"margin-bottom: 5px;clear:both;max-width: 100%\" \/><\/p>\n<p>With the average 30-year fixed mortgage rate from <a href=\"http:\/\/www.freddiemac.com\/pmms\/\" target=\"_blank\" rel=\"nofollow noopener\"><em>Freddie Mac<\/em><\/a> climbing above 3%, rising rates are one of the topics dominating the discussion in the housing market today. And since experts <a href=\"https:\/\/www.simplifyingthemarket.com\/2021\/10\/12\/dont-wait-for-a-lower-mortgage-rate-it-could-cost-you\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">project<\/a> rates will rise further in the coming months, that conversation isn\u2019t going away any time soon.<span id=\"more-45455\"><\/span><\/p>\n<p>But as a homebuyer, what do <a href=\"https:\/\/www.simplifyingthemarket.com\/2021\/10\/05\/the-main-key-to-understanding-the-rise-in-mortgage-rates\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">rates<\/a> above 3% <em>really<\/em> mean?<\/p>\n<h4><strong>Today\u2019s Average Mortgage Rate Still Presents Buyers with a Great Opportunity<\/strong><\/h4>\n<p>Buyers don\u2019t want mortgage rates to rise, as any upward movement increases your monthly mortgage payment. But it\u2019s important to put today\u2019s average mortgage rate into perspective. The <a href=\"http:\/\/www.freddiemac.com\/pmms\/pmms_archives.html\" target=\"_blank\" rel=\"nofollow noopener\">graph<\/a> below shows today\u2019s rate in comparison to average rates over the last five years:<a href=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2021\/11\/04170934\/20211108-MEM-ENG-1.png?ssl=1\" target=\"_blank\" rel=\"nofollow noopener\"><img data-recalc-dims=\"1\" decoding=\"async\" loading=\"lazy\" class=\"aligncenter wp-image-45456\" src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2021\/11\/04170934\/20211108-MEM-ENG-1.png?resize=650%2C488&#038;ssl=1\" alt=\"Two Graphs That Show Why You Shouldn\u2019t Be Upset About 3% Mortgage Rates | Simplifying The Market\" width=\"650\" height=\"488\" \/><\/a>As the graph shows, even though today\u2019s rate is above 3%, <strong>it\u2019s still incredibly competitive. <\/strong><\/p>\n<p>But today\u2019s rate isn\u2019t just low when compared to the most recent years. To truly put today into perspective, let\u2019s look at the last 50 years <em>(see graph below):<\/em><a href=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2021\/11\/04171031\/20211108-MEM-ENG-2.png?ssl=1\" target=\"_blank\" rel=\"nofollow noopener\"><img data-recalc-dims=\"1\" decoding=\"async\" loading=\"lazy\" class=\"aligncenter wp-image-45457\" src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2021\/11\/04171031\/20211108-MEM-ENG-2.png?resize=650%2C488&#038;ssl=1\" alt=\"Two Graphs That Show Why You Shouldn\u2019t Be Upset About 3% Mortgage Rates | Simplifying The Market\" width=\"650\" height=\"488\" \/><\/a>When we look back even further, we can see that <strong>today\u2019s rate is truly outstanding by comparison<\/strong>.<\/p>\n<h4><strong>What Does That Mean for You?<\/strong><\/h4>\n<p>Being upset that you missed out on sub-3% mortgage rates is understandable. But it\u2019s important to realize, buying now still makes sense as <a href=\"https:\/\/www.simplifyingthemarket.com\/2021\/11\/03\/experts-project-mortgage-rates-will-continue-to-rise-in-2022\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">experts project<\/a> rates will continue to rise. And as rates rise, it will cost more to purchase a home.<\/p>\n<p>As Mark Fleming, Chief Economist at <em>First American<\/em>, <a href=\"https:\/\/blog.firstam.com\/economics\/how-will-rising-mortgage-rates-impact-house-buying-power\" target=\"_blank\" rel=\"nofollow noopener\">explains<\/a>:<\/p>\n<blockquote>\n<p><em>\u201cRising mortgage rates, all else equal, will diminish house-buying power, <strong>meaning it will cost more per month for a borrower to buy \u2018their same home.\u2019\u201d<\/strong><\/em><\/p>\n<\/blockquote>\n<p>In other words, <strong>the longer you wait, the more it will <\/strong><a href=\"https:\/\/www.simplifyingthemarket.com\/2021\/09\/23\/two-reasons-why-waiting-a-year-to-buy-could-cost-you\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\"><strong>cost you<\/strong><\/a><strong>.<\/strong><\/p>\n<h3><strong>Bottom Line<\/strong><\/h3>\n<p>While it\u2019s true today\u2019s average mortgage rate is higher than just a few months ago, 3% mortgage rates shouldn\u2019t deter you from your homebuying goals. Historically, today\u2019s rate is still low. And since rates are expected to continue rising, buying now could save you money in the long run. Let\u2019s connect so you can lock in a great rate now.<\/p>\n<p>Source: New feed<\/p>\n","protected":false},"excerpt":{"rendered":"<p>With the average 30-year fixed mortgage rate from Freddie Mac climbing above 3%, rising rates are one of the topics dominating the discussion in the housing market today. And since experts project rates will rise further in the coming months, that conversation isn\u2019t going away any time soon. But as a homebuyer, what do rates [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3843,"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-3842","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":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Two Graphs That Show Why You Shouldn\u2019t Be Upset About 3% Mortgage Rates&#8212;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\/two-graphs-that-show-why-you-shouldnt-be-upset-about-3-mortgage-rates\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Two Graphs That Show Why You Shouldn\u2019t Be Upset About 3% Mortgage Rates&#8212;NWI Loan Guy Blog\" \/>\n<meta property=\"og:description\" content=\"With the average 30-year fixed mortgage rate from Freddie Mac climbing above 3%, rising rates are one of the topics dominating the discussion in the housing market today. 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