{"id":4583,"date":"2022-12-19T05:00:59","date_gmt":"2022-12-19T11:00:59","guid":{"rendered":"https:\/\/nwiloanguy.com\/blog\/mortgage-rates-are-dropping-what-does-that-mean-for-you\/"},"modified":"2024-01-18T20:52:33","modified_gmt":"2024-01-19T02:52:33","slug":"mortgage-rates-are-dropping-what-does-that-mean-for-you","status":"publish","type":"post","link":"https:\/\/nwiloanguy.com\/blog\/mortgage-rates-are-dropping-what-does-that-mean-for-you\/","title":{"rendered":"Mortgage Rates Are Dropping. What Does That Mean for You?"},"content":{"rendered":"<p><img data-recalc-dims=\"1\" decoding=\"async\"  src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2022\/12\/16162628\/mortgage-rates-are-dropping-what-does-that-mean-for-you-KCM-549x300.jpg?w=358&#038;ssl=1\" class=\"webfeedsFeaturedVisual wp-post-image\" alt=\"Mortgage Rates Are Dropping. What Does That Mean for You? | Simplifying The Market\" loading=\"lazy\" style=\"margin-bottom: 5px;clear:both;max-width: 100%\" \/><\/p>\n<p>Mortgage rates have been a hot topic in the housing market over the past 12 months. Compared to the beginning of 2022, rates have <a href=\"https:\/\/www.freddiemac.com\/pmms\/archive\" target=\"_blank\" rel=\"nofollow noopener\">risen dramatically<\/a>. Now they\u2019re dropping, and that has to do with everything happening in the economy.<\/p>\n<p>Nadia Evangelou, Senior Economist and Director of Forecasting at the <em>National Association of Realtors<\/em> (NAR), explains it well by <a href=\"https:\/\/twitter.com\/NAR_Research\/status\/1603455050390577152\" target=\"_blank\" rel=\"nofollow noopener\">saying<\/a>:<\/p>\n<blockquote>\n<p><em>\u201c<strong>Mortgage rates dropped even further this week as two main factors affecting today&#8217;s mortgage market became more favorable. Inflation continued to ease while the Federal Reserve switched to a smaller interest rate hike<\/strong>. As a result, according to Freddie Mac, the 30-year fixed mortgage rate fell to 6.31% from 6.33% the previous week.\u201d<\/em><\/p>\n<\/blockquote>\n<p>So, what does that mean for your homeownership plans? As mortgage rates fluctuate, they impact your purchasing power by influencing the cost of buying a home. Even a small dip can help boost your purchasing power. Here\u2019s how it works.<\/p>\n<p>The median-priced home according to the\u00a0<em>National Association of Realtors (NAR)\u00a0<\/em>is\u00a0$379,100. So, let\u2019s assume you want to buy a $400,000 home. If you\u2019re trying to shop at that price point and keep your monthly payment about $2,500-2,600 or below, here\u2019s how your purchasing power can change as mortgage rates move up or down (<em>see chart below<\/em>). The red shows payments above that threshold and the green indicates a payment within your target range.<\/p>\n<p><a href=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2022\/12\/16162626\/buyers-purchasing-power-MEM.png?ssl=1\" target=\"_blank\" rel=\"nofollow noopener\"><img data-recalc-dims=\"1\" decoding=\"async\" loading=\"lazy\" class=\"aligncenter wp-image-47645\" src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2022\/12\/16162626\/buyers-purchasing-power-MEM.png?resize=650%2C488&#038;ssl=1\" alt=\"Mortgage Rates Are Dropping. What Does That Mean for You? | Simplifying The Market\" width=\"650\" height=\"488\" \/><\/a><\/p>\n<p>This goes to show, even a small quarter-point change in mortgage rates can impact your monthly mortgage payment. That\u2019s why it\u2019s important to work with a trusted real estate professional who follows what the experts are projecting for mortgage rates for the days, months, and year ahead.<\/p>\n<h3><strong>Bottom Line<\/strong><\/h3>\n<p>Mortgage rates are likely to fluctuate depending on what happens with inflation moving forward, but they have dropped slightly in recent weeks. If a 7% rate was too high for you, it may be time to contact a lender to see if the current rate is more in line with your goal for a monthly housing expense.<\/p>\n<p>Source: New feed<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Mortgage rates have been a hot topic in the housing market over the past 12 months. Compared to the beginning of 2022, rates have risen dramatically. Now they\u2019re dropping, and that has to do with everything happening in the economy. Nadia Evangelou, Senior Economist and Director of Forecasting at the National Association of Realtors (NAR), [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4584,"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-4583","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>Mortgage Rates Are Dropping. 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