{"id":103,"date":"2026-10-15T11:00:00","date_gmt":"2026-10-15T11:00:00","guid":{"rendered":"https:\/\/www.desertlist.com\/blog\/?p=103"},"modified":"2026-10-15T11:00:00","modified_gmt":"2026-10-15T11:00:00","slug":"bargain-hunting-with-rates-above-7","status":"publish","type":"post","link":"https:\/\/www.desertlist.com\/blog\/2026\/10\/15\/bargain-hunting-with-rates-above-7\/","title":{"rendered":"Bargain Hunting With Rates Above 7%"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\" src=\"https:\/\/www.roomvu.com\/agent\/embed\/arturo-duran\/bargain-hunting-mortgage-remotion-videos-a922\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>With mortgage rates holding above 7% and the market reacting to further Fed moves, affordability is top of mind for many buyers. As someone who guides clients through complex decisions\u2014whether it\u2019s your first purchase or you\u2019re investing in a multi-family or commercial building\u2014I always stress the value of planning ahead. Recent studies recommend preparing for rate changes: consider what a half-point jump in the next three months, three-quarters in six, or a full point in a year could mean for your budget.<\/p>\n<p>Interestingly, buyers later in the year often find more negotiating room. Typical homes were about 5% less expensive in early Q4 compared to late Q2, with less competition and more time to negotiate crucial terms. Last month\u2019s inventory offered around a five-month supply, which meant stronger bargaining power\u2014not just for price, but also closing costs, discount points, or even temporary rate buydowns.<\/p>\n<p>While the market is still anticipating additional Fed tightening, the long-term aim is to rein in inflation, which could eventually bring mortgage costs down. My focus remains on helping clients make informed, confident moves\u2014no matter how the market shifts.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>With mortgage rates holding above 7% and the market reacting to further Fed moves, affordability is top of mind for many buyers. As someone who guides clients through complex decisions\u2014whether it\u2019s your first purchase or you\u2019re investing in a multi-family or commercial building\u2014I always stress the value of planning ahead. Recent studies recommend preparing for [&hellip;]<\/p>\n","protected":false},"author":113,"featured_media":104,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-103","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.desertlist.com\/blog\/wp-json\/wp\/v2\/posts\/103","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.desertlist.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.desertlist.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.desertlist.com\/blog\/wp-json\/wp\/v2\/users\/113"}],"replies":[{"embeddable":true,"href":"https:\/\/www.desertlist.com\/blog\/wp-json\/wp\/v2\/comments?post=103"}],"version-history":[{"count":1,"href":"https:\/\/www.desertlist.com\/blog\/wp-json\/wp\/v2\/posts\/103\/revisions"}],"predecessor-version":[{"id":105,"href":"https:\/\/www.desertlist.com\/blog\/wp-json\/wp\/v2\/posts\/103\/revisions\/105"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.desertlist.com\/blog\/wp-json\/wp\/v2\/media\/104"}],"wp:attachment":[{"href":"https:\/\/www.desertlist.com\/blog\/wp-json\/wp\/v2\/media?parent=103"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.desertlist.com\/blog\/wp-json\/wp\/v2\/categories?post=103"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.desertlist.com\/blog\/wp-json\/wp\/v2\/tags?post=103"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}