{"id":4655,"date":"2023-01-17T05:30:15","date_gmt":"2023-01-17T11:30:15","guid":{"rendered":"https:\/\/nwiloanguy.com\/blog\/think-twice-before-waiting-for-3-mortgage-rates\/"},"modified":"2023-05-30T09:52:38","modified_gmt":"2023-05-30T14:52:38","slug":"think-twice-before-waiting-for-3-mortgage-rates","status":"publish","type":"post","link":"https:\/\/nwiloanguy.com\/blog\/think-twice-before-waiting-for-3-mortgage-rates\/","title":{"rendered":"Think Twice Before Waiting for 3% Mortgage Rates"},"content":{"rendered":"<p><img data-recalc-dims=\"1\" decoding=\"async\"  src=\"https:\/\/i0.wp.com\/files.keepingcurrentmatters.com\/wp-content\/uploads\/2023\/01\/12150058\/think-twice-about-waiting-for-3-percent-mortgage-rates-KCM.jpg?w=358&#038;ssl=1\" alt=\"Think Twice Before Waiting for 3% Mortgage Rates Simplifying The Market\" loading=\"lazy\" style=\"margin-bottom: 5px;clear: both;max-width: 100%\" \/><\/p>\n<p>Last year, the <em>Federal Reserve<\/em> took action to try to bring down inflation. In response to those efforts, <a href=\"https:\/\/www.simplifyingthemarket.com\/2022\/12\/21\/what-to-expect-from-the-housing-market-in-2023\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">mortgage rates<\/a> jumped up rapidly from the record lows we saw in 2021, peaking at just over 7% <a href=\"https:\/\/www.freddiemac.com\/pmms\/archive\" target=\"_blank\" rel=\"nofollow noopener\">last October<\/a>. Hopeful <a href=\"https:\/\/www.simplifyingthemarket.com\/2023\/01\/04\/avoid-the-rental-trap-in-2023\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">buyers<\/a> experienced a hit to their purchasing power as a result, and some decided to press pause on their plans.<!--more--><\/p>\n<\/p>\n<p>Today, the rate of inflation is starting to drop. And as a result, mortgage rates have dipped below last year\u2019s peak. Sam Khater, Chief Economist at <em>Freddie Mac<\/em>, shares:<\/p>\n<blockquote><p><em>\u201cWhile mortgage market activity has significantly shrunk over the last year, <strong>inflationary pressures are easing and should lead to lower mortgage rates in 2023<\/strong>.\u201d<\/em><\/p><\/blockquote>\n<p>That\u2019s potentially great news if you\u2019re a <a href=\"https:\/\/www.simplifyingthemarket.com\/2023\/01\/02\/what-are-your-goals-in-the-housing-market-this-year\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">buyer<\/a> aiming to jump back into the housing market. Any drop in mortgage rates helps boost your <a href=\"https:\/\/www.simplifyingthemarket.com\/2022\/12\/19\/mortgage-rates-are-dropping-what-does-that-mean-for-you\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">purchasing power<\/a> by bringing down your expected monthly mortgage payment. This means the lower mortgage rates <a href=\"https:\/\/www.simplifyingthemarket.com\/2023\/01\/09\/what-experts-are-saying-about-the-2023-housing-market\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">experts<\/a> forecast <a href=\"https:\/\/www.simplifyingthemarket.com\/2022\/12\/16\/2023-housing-market-forecast-infographic\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">this year<\/a> could be just what you need to reignite your homebuying goals.<\/p>\n<\/p>\n<p>While this opens up a window of opportunity for you, remember: you shouldn\u2019t expect rates to drop back down to record lows like we saw in 2021. Experts agree that\u2019s not the range buyers should bank on. Greg McBride, Chief Financial Analyst at <em>Bankrate<\/em>, <a href=\"https:\/\/www.bankrate.com\/mortgages\/mortgage-rate-forecast\/#forecast\" target=\"_blank\" rel=\"nofollow noopener\">explains<\/a>:<\/p>\n<blockquote><p><em>\u201cI think we could be surprised at how much mortgage rates pull back this year. But <strong>we\u2019re not going back to 3 percent anytime soon, because inflation is not going back to 2 percent anytime soon.<\/strong>\u201d<\/em><\/p><\/blockquote>\n<p>It\u2019s important to have a realistic vision for what you can expect this year, and that\u2019s where the advice of expert <a href=\"https:\/\/www.simplifyingthemarket.com\/2022\/12\/27\/confused-about-whats-going-on-in-the-housing-market-lean-on-a-professional\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">real estate <\/a>advisors is critical. You may be surprised by the impact even a mild drop in mortgage rates has on your budget. If you\u2019re ready to <a href=\"https:\/\/www.simplifyingthemarket.com\/2023\/01\/03\/wondering-how-much-you-need-to-save-for-a-down-payment\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">buy a home<\/a> now, today\u2019s market presents the opportunity to get a more affordable mortgage rate, find your dream home, and face <a href=\"https:\/\/www.simplifyingthemarket.com\/2022\/12\/14\/you-may-have-more-negotiation-power-when-you-buy-a-home-today\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">less competition<\/a> from other buyers.<\/p>\n<p><h3><strong>Bottom Line<\/strong><\/h3>\n<\/p>\n<p>The recent pullback in mortgage rates is great news \u2013 but if you\u2019re ready to buy now, holding out for 3% is a mistake. Work with a local lender to learn how today\u2019s rates impact your goals, and let\u2019s connect to explore your options in our area.<\/p>\n<p>Source: New feed<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Last year, the Federal Reserve took action to try to bring down inflation. In response to those efforts, mortgage rates jumped up rapidly from the record lows we saw in 2021, peaking at just over 7% last October. Hopeful buyers experienced a hit to their purchasing power as a result, and some decided to press [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4656,"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-4655","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>Think Twice Before Waiting for 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\/think-twice-before-waiting-for-3-mortgage-rates\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Think Twice Before Waiting for 3% Mortgage Rates&#8212;NWI Loan Guy Blog\" \/>\n<meta property=\"og:description\" content=\"Last year, the Federal Reserve took action to try to bring down inflation. 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