{"id":3985,"date":"2022-01-19T05:00:15","date_gmt":"2022-01-19T11:00:15","guid":{"rendered":"https:\/\/nwiloanguy.com\/blog\/with-mortgage-rates-climbing-nows-the-time-to-act\/"},"modified":"2022-11-16T14:29:47","modified_gmt":"2022-11-16T20:29:47","slug":"with-mortgage-rates-climbing-nows-the-time-to-act","status":"publish","type":"post","link":"https:\/\/nwiloanguy.com\/blog\/with-mortgage-rates-climbing-nows-the-time-to-act\/","title":{"rendered":"With Mortgage Rates Climbing, Now\u2019s the Time To Act"},"content":{"rendered":"<p><img data-recalc-dims=\"1\" decoding=\"async\"  src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2022\/01\/18161913\/20220119-KCM-Share-549x300.jpg?w=358&#038;ssl=1\" class=\"webfeedsFeaturedVisual wp-post-image\" alt=\"With Mortgage Rates Climbing, Now\u2019s the Time To Act | Simplifying The Market\" loading=\"lazy\" style=\"margin-bottom: 5px;clear:both;max-width: 100%\" \/><\/p>\n<p>Last week, the average 30-year fixed <a href=\"https:\/\/www.simplifyingthemarket.com\/2021\/11\/24\/how-smart-buyers-are-approaching-rising-mortgage-rates\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">mortgage rate<\/a> from <em>Freddie Mac<\/em> jumped from 3.22% to 3.45%. That\u2019s the <a href=\"http:\/\/www.freddiemac.com\/pmms\/pmms_archives.html\" target=\"_blank\" rel=\"nofollow noopener\">highest point<\/a> it\u2019s been in almost two years. If you\u2019re thinking about buying a home, this news may have come as a bit of a shock. But the truth is, it wasn\u2019t entirely unexpected. Experts have been calling for rates to rise in their 2022 projections, and the forecast is now becoming a reality. Here\u2019s a look at the <a href=\"http:\/\/www.freddiemac.com\/research\/forecast\/20211015_quarterly_economic_forecast.page?\" target=\"_blank\" rel=\"nofollow noopener\">projections<\/a> from <em>Freddie Mac<\/em> for this year:<span id=\"more-45869\"><\/span><\/p>\n<ul>\n<li>Q1 2022: <strong>3.4%<\/strong><\/li>\n<li>Q2 2022: <strong>3.5%<\/strong><\/li>\n<li>Q3 2022: <strong>3.6%<\/strong><\/li>\n<li>Q4 2022: <strong>3.7%<\/strong><\/li>\n<\/ul>\n<p>As the numbers show, this jump in rates is in line with the expectations from <em>Freddie Mac<\/em>. And what they also indicate is that mortgage rates are projected to continue climbing throughout the year. <strong>But should you be worried about rising <\/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>mortgage rates<\/strong><\/a><strong>? What does that really mean for you?<\/strong><\/p>\n<p>As rates increase even modestly, they impact your monthly mortgage payment and overall <a href=\"https:\/\/www.simplifyingthemarket.com\/2021\/12\/09\/two-reasons-why-waiting-to-buy-a-home-will-cost-you\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">affordability<\/a>. If you\u2019re looking to buy a home, rising mortgage rates should be an incentive to <strong>act sooner rather than later<\/strong>.<\/p>\n<p>The good news is, even though rates are climbing, they\u2019re still worth taking advantage of. Historical data shows that today\u2019s rate, even at 3.45%, is still well below the average for each of the last five decades (<em>see chart below<\/em>):<\/p>\n<p><a href=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2022\/01\/18161911\/20220119-MEM-Eng-1.png?ssl=1\" target=\"_blank\" rel=\"nofollow noopener\"><img data-recalc-dims=\"1\" decoding=\"async\" loading=\"lazy\" class=\"aligncenter wp-image-45870\" src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2022\/01\/18161911\/20220119-MEM-Eng-1.png?resize=650%2C488&#038;ssl=1\" alt=\"With Mortgage Rates Climbing, Now\u2019s the Time To Act | Simplifying The Market\" width=\"650\" height=\"488\" \/><\/a><\/p>\n<p>That means you still have a great opportunity to buy now with a rate that\u2019s better than what your loved ones may have paid in decades past. If you buy a home while rates are in the mid-3s, your monthly mortgage payment will be locked in at that rate for the life of your loan. As you can see from the chart above, a lot can change in that time frame. Buying now is a great way to protect yourself from <a href=\"https:\/\/www.simplifyingthemarket.com\/2022\/01\/11\/why-inflation-shouldnt-stop-you-from-buying-a-home-in-2022\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">rising costs<\/a> and future rate increases while also securing your payment amount for the long term.<\/p>\n<p>Nadia Evangelou, Senior Economist and Director of Forecasting at the<em> National Association of Realtors <\/em>(NAR), <a href=\"https:\/\/www.nar.realtor\/blogs\/economists-outlook\/instant-reaction-mortgage-rates-january-13-2022\" target=\"_blank\" rel=\"nofollow noopener\">says<\/a>:<\/p>\n<blockquote>\n<p>\u201c<em>Mortgage rates surged in the second week of the new year. The 30-year fixed mortgage rate rose to 3.45% from 3.22% the previous week. <strong>If inflation continues to grow at the current pace, rates will move up even faster in the following months.\u201d<\/strong><\/em><\/p>\n<\/blockquote>\n<h3><strong>Bottom Line<\/strong><\/h3>\n<p>Mortgage rates are increasing, and they\u2019re forecast to be even higher by the end of 2022. If you\u2019re planning to buy this year, acting soon may be your most affordable option. Let\u2019s connect to start the homebuying process today.<\/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 jumped from 3.22% to 3.45%. That\u2019s the highest point it\u2019s been in almost two years. If you\u2019re thinking about buying a home, this news may have come as a bit of a shock. But the truth is, it wasn\u2019t entirely unexpected. Experts have been [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3986,"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-3985","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>With Mortgage Rates Climbing, Now\u2019s the Time To Act&#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\/with-mortgage-rates-climbing-nows-the-time-to-act\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"With Mortgage Rates Climbing, Now\u2019s the Time To Act&#8212;NWI Loan Guy Blog\" \/>\n<meta property=\"og:description\" content=\"Last week, the average 30-year fixed mortgage rate from Freddie Mac jumped from 3.22% to 3.45%. 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