{"id":3866,"date":"2021-11-24T05:00:50","date_gmt":"2021-11-24T11:00:50","guid":{"rendered":"https:\/\/nwiloanguy.com\/blog\/how-smart-buyers-are-approaching-rising-mortgage-rates\/"},"modified":"2021-12-12T14:19:07","modified_gmt":"2021-12-12T20:19:07","slug":"how-smart-buyers-are-approaching-rising-mortgage-rates","status":"publish","type":"post","link":"https:\/\/nwiloanguy.com\/blog\/how-smart-buyers-are-approaching-rising-mortgage-rates\/","title":{"rendered":"How Smart Buyers Are Approaching Rising 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\/19101321\/20211124-KCM-Share-549x300.jpg?w=358&#038;ssl=1\" class=\"webfeedsFeaturedVisual wp-post-image\" alt=\"How Smart Buyers Are Approaching Rising Mortgage Rates | Simplifying The Market\" loading=\"lazy\" style=\"margin-bottom: 5px;clear:both;max-width: 100%\" \/><\/p>\n<p>Last week, 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> inched up to 3.1%, and <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 rising through 2022:<span id=\"more-45554\"><\/span><\/p>\n<blockquote>\n<p><em>\u201cThe 30-year fixed-rate mortgage was 2.9% in the third quarter of 2021. We forecast mortgage rates to increase slightly through the remainder of the year and reach 3.0%, <strong>rising to 3.5% for full year 2022.\u201d<\/strong><\/em><\/p>\n<\/blockquote>\n<p><strong>If you\u2019re thinking of buying a home, here are a few things to keep in mind so you can succeed even as mortgage <\/strong><a href=\"https:\/\/www.simplifyingthemarket.com\/2021\/11\/08\/two-graphs-that-show-why-you-shouldnt-be-upset-about-3-mortgage-rates\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\"><strong>rates rise<\/strong><\/a><strong>. <\/strong><\/p>\n<h4><strong>Taking Time Off Can Be Costly<\/strong><\/h4>\n<p>Mortgage rates play a significant role in your home search. As rates go up, your monthly mortgage payment increases if you\u2019re buying a home, directly affecting how much you can afford. And even the smallest increase can have a large impact on your <a href=\"https:\/\/www.mortgagecalculator.net\/\" target=\"_blank\" rel=\"nofollow noopener\">monthly payment<\/a> <em>(see chart below)<\/em>:<a href=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2021\/11\/19101323\/20211124-MEM-Eng-1.png?ssl=1\" target=\"_blank\" rel=\"nofollow noopener\"><img data-recalc-dims=\"1\" decoding=\"async\" loading=\"lazy\" class=\"aligncenter wp-image-45556\" src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2021\/11\/19101323\/20211124-MEM-Eng-1.png?resize=650%2C488&#038;ssl=1\" alt=\"How Smart Buyers Are Approaching Rising Mortgage Rates | Simplifying The Market\" width=\"650\" height=\"488\" \/><\/a>With mortgage rates on the rise, you\u2019ve likely seen your purchasing power impacted already. Instead of waiting and hoping rates will fall, today\u2019s rates should motivate you to purchase now before rates increase more.<\/p>\n<h4><strong>Smart Buyers Can Succeed by Planning Ahead<\/strong><\/h4>\n<p>You can use your newfound motivation to energize your search and plan your next steps accordingly so you\u2019re prepared to act no matter what happens with mortgage rates. One way to do that: <strong>take rising rates into consideration as part of your budget. <\/strong><\/p>\n<p>Danielle Hale, Chief Economist at <em>realtor.com, <\/em>puts it best, saying:<\/p>\n<blockquote>\n<p><em>\u201cSmart buyers should consider calculating a monthly payment not only at today\u2019s rates, <strong>but also at rates that are a bit higher<\/strong> <strong>so that they won\u2019t be derailed by a sudden upward move<\/strong>. . . .\u201d<\/em><\/p>\n<\/blockquote>\n<p>You should also be ready to act when you find the home that meets your needs. That means getting <a href=\"https:\/\/www.simplifyingthemarket.com\/2021\/10\/29\/the-mortgage-process-doesnt-have-to-be-scary-infographic\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">pre-approved<\/a> with a lender so there won\u2019t be any delays when the time arrives.<\/p>\n<p>The best way to prepare is to work with a trusted real estate advisor <strong>now<\/strong>. An agent can connect you with a lender, help you adjust your search based on your budget, and be ready to act quickly when it\u2019s time to <a href=\"https:\/\/www.simplifyingthemarket.com\/2021\/09\/15\/5-tips-for-making-your-best-offer\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">make an offer<\/a>.<\/p>\n<h3><strong>Bottom Line<\/strong><\/h3>\n<p>Serious buyers should approach rising rates as a motivating factor to buy sooner, not a reason to wait. Waiting will cost you more in the long run. Let\u2019s connect today so you can better understand your budget and be prepared to buy your home even before rates climb higher.<\/p>\n<p>Source: New feed<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Last week, the average 30-year fixed mortgage rate from Freddie Mac inched up to 3.1%, and experts project rates will continue rising through 2022: \u201cThe 30-year fixed-rate mortgage was 2.9% in the third quarter of 2021. We forecast mortgage rates to increase slightly through the remainder of the year and reach 3.0%, rising to 3.5% [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3867,"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-3866","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>How Smart Buyers Are Approaching Rising 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\/how-smart-buyers-are-approaching-rising-mortgage-rates\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Smart Buyers Are Approaching Rising Mortgage Rates&#8212;NWI Loan Guy Blog\" \/>\n<meta property=\"og:description\" content=\"Last week, the average 30-year fixed mortgage rate from Freddie Mac inched up to 3.1%, and experts project rates will continue rising through 2022: \u201cThe 30-year fixed-rate mortgage was 2.9% in the third quarter of 2021. 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