{"id":4151,"date":"2022-05-09T05:00:01","date_gmt":"2022-05-09T10:00:01","guid":{"rendered":"https:\/\/nwiloanguy.com\/blog\/how-todays-mortgage-rates-impact-your-home-purchase\/"},"modified":"2022-05-09T05:00:01","modified_gmt":"2022-05-09T10:00:01","slug":"how-todays-mortgage-rates-impact-your-home-purchase","status":"publish","type":"post","link":"https:\/\/nwiloanguy.com\/blog\/how-todays-mortgage-rates-impact-your-home-purchase\/","title":{"rendered":"How Today\u2019s Mortgage Rates Impact Your Home Purchase"},"content":{"rendered":"<p><img data-recalc-dims=\"1\" decoding=\"async\"  src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2022\/05\/06104226\/20220509-KCM-Share-549x300.jpg?w=358&#038;ssl=1\" class=\"webfeedsFeaturedVisual wp-post-image\" alt=\"How Today\u2019s Mortgage Rates Impact Your Home Purchase | Simplifying The Market\" loading=\"lazy\" style=\"margin-bottom: 5px;clear:both;max-width: 100%\" \/><\/p>\n<p>If you\u2019re planning to buy a home, it\u2019s critical to understand the relationship between <a href=\"https:\/\/www.simplifyingthemarket.com\/2022\/04\/13\/where-are-mortgage-rates-headed\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">mortgage rates<\/a> and your purchasing power. Purchasing power is the amount of home you can afford to buy that\u2019s within your financial reach. Mortgage rates directly impact the monthly payment you\u2019ll have on the home you purchase. So, when rates rise, so does the monthly payment you\u2019re able to lock in on your home loan. In a rising-rate environment like we\u2019re in today, that could limit your future purchasing power.<span id=\"more-46449\"><\/span><\/p>\n<p>Today, the average 30-year fixed mortgage rate is <a href=\"https:\/\/www.freddiemac.com\/pmms\" target=\"_blank\" rel=\"nofollow noopener\">above 5%<\/a>, and in the near term, experts say that\u2019ll likely go up in the months ahead. You have the opportunity to get ahead of that increase if you buy now before that impacts your purchasing power.<\/p>\n<h4><strong>Mortgage Rates Play a Large Role in Your Home Search <\/strong><\/h4>\n<p>The <a href=\"https:\/\/www.mortgagecalculator.net\/\" target=\"_blank\" rel=\"nofollow noopener\">chart<\/a> below can help you understand the general relationship between mortgage rates and a typical monthly mortgage payment within a range of loan amounts. Let\u2019s say your budget allows for a monthly mortgage payment in the $2,100-$2,200 range. The green in the chart indicates a payment within that range, while the red is a payment that exceeds it (<em>see chart below<\/em>):<\/p>\n<p><a href=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2022\/05\/06104225\/20220509-MEM-Eng-1.png?ssl=1\" target=\"_blank\" rel=\"nofollow noopener\"><img data-recalc-dims=\"1\" decoding=\"async\" loading=\"lazy\" class=\"aligncenter wp-image-46450\" src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2022\/05\/06104225\/20220509-MEM-Eng-1.png?resize=650%2C488&#038;ssl=1\" alt=\"How Today\u2019s Mortgage Rates Impact Your Home Purchase | Simplifying The Market\" width=\"650\" height=\"488\" \/><\/a><\/p>\n<p>As the chart shows, you\u2019re more likely to exceed your target payment range as mortgage rates increase unless you pursue a lower home loan amount. If you\u2019re ready to buy a home, use this as your motivation to purchase now so you can get ahead of rising rates before you have to make the decision to decrease what you borrow in order to stay comfortably within your budget.<\/p>\n<h4><strong>Work with Trusted Advisors To Know Your Budget and Make a Plan<\/strong><\/h4>\n<p>It\u2019s critical to keep your <a href=\"https:\/\/www.simplifyingthemarket.com\/2022\/04\/05\/what-you-need-to-budget-for-when-buying-a-home\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">budget<\/a> top of mind as you\u2019re searching for a home. Danielle Hale, Chief Economist at <em>realtor.com, <\/em>puts it best, <a href=\"https:\/\/money.com\/spring-home-buying-outlook-tips\/\" target=\"_blank\" rel=\"nofollow noopener\">advising<\/a> that buyers should:<\/p>\n<blockquote>\n<p><em>\u201c<strong>Get preapproved with where rates are today, but also consider what would happen if rates were to go up, say another quarter of a point,<\/strong> . . . Know what that would do to your monthly costs and how comfortable you are with that, so that if rates do move higher, you already know how you need to adjust in response.\u201d<\/em><\/p>\n<\/blockquote>\n<p>No matter what, the best strategy is to work with your real estate advisor and a trusted lender to <a href=\"https:\/\/www.simplifyingthemarket.com\/2022\/04\/04\/balancing-your-wants-and-needs-as-a-homebuyer-today\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">create a plan<\/a> that takes rising mortgage rates into consideration. Together, you can look at your budget based on where rates are today and craft a <a href=\"https:\/\/www.simplifyingthemarket.com\/2022\/04\/19\/why-pre-approval-is-an-important-step-for-todays-homebuyers\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">strategy<\/a> so you\u2019re ready to adjust as rates change.<\/p>\n<h3><strong>Bottom Line<\/strong><\/h3>\n<p>Even small increases in mortgage rates can impact your purchasing power. If you\u2019re in the process of buying a home, it\u2019s more important than ever to have a strong plan. Let\u2019s connect so you have a trusted real estate advisor and a lender on your side who can help you strategize to achieve your dream of homeownership this season.<\/p>\n<p>Source: New feed<\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you\u2019re planning to buy a home, it\u2019s critical to understand the relationship between mortgage rates and your purchasing power. Purchasing power is the amount of home you can afford to buy that\u2019s within your financial reach. Mortgage rates directly impact the monthly payment you\u2019ll have on the home you purchase. So, when rates rise, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4152,"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-4151","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 v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How Today\u2019s Mortgage Rates Impact Your Home Purchase&#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-todays-mortgage-rates-impact-your-home-purchase\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Today\u2019s Mortgage Rates Impact Your Home Purchase&#8212;NWI Loan Guy Blog\" \/>\n<meta property=\"og:description\" content=\"If you\u2019re planning to buy a home, it\u2019s critical to understand the relationship between mortgage rates and your purchasing power. Purchasing power is the amount of home you can afford to buy that\u2019s within your financial reach. Mortgage rates directly impact the monthly payment you\u2019ll have on the home you purchase. So, when rates rise, [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/nwiloanguy.com\/blog\/how-todays-mortgage-rates-impact-your-home-purchase\/\" \/>\n<meta property=\"og:site_name\" content=\"NWI Loan Guy Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/NWIHomeLoans\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/NWIHomeLoans\" \/>\n<meta property=\"article:published_time\" content=\"2022-05-09T10:00:01+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/files.simplifyingthemarket.com\/wp-content\/uploads\/2022\/05\/06104226\/20220509-KCM-Share-549x300.jpg\" \/>\n<meta name=\"author\" content=\"Scott\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Scott\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" 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