Category: Mortgage Rates

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Myth vs. Reality: Does the Fed Control Mortgage Rates?

Written by Deerfield Beach Mortgage Syndicated User on October 8, 2026. Posted in Affordability, Agent Value, Buying Tips, Deerfield Beach Condo Mortgage, Deerfield Beach Mortgage, Economy, For Buyers, For Sellers, Mortgage Rates, Selling Tips.

You’ve probably heard the Federal Reserve (the Fed) is raising rates again. And if you’re planning to buy or sell a house, you may be wondering what that means for you.With all the headlines, it’s easy to think the Fed sets mortgage rates. That’s actually a common myth. But the Fed’s decisions can still have an impact on them.So, where does that leave you? The next few months could get a little bumpy. But the Fed is playing the long game. And with the right plan, you can still make a move that works. Let’s break it down.Why the Fed Is Raising RatesIt all comes back to...

What Higher Mortgage Rates Mean for Home Sellers

Written by Deerfield Beach Mortgage Syndicated User on October 2, 2026. Posted in Deerfield Beach Condo Mortgage, Deerfield Beach Mortgage, For Sellers, Mortgage Rates, New Construction, Selling Tips.

Higher mortgage rates don’t just affect buyers. They can change what it takes to sell your house, too.That’s because today’s buyers are paying close attention to affordability. And when rates rise, even a relatively small change can make a noticeable difference in their monthly payment. So, they’re looking for ways to make the numbers work. And in some markets, new construction is giving them exactly that.If you’re planning to sell, that doesn’t mean you can’t compete. But it does mean you need to understand what builders are doing to win over...

The Mortgage Rate You See Online Isn’t Necessarily the One You’d Get.

Written by Deerfield Beach Mortgage Syndicated User on September 29, 2026. Posted in Affordability, Buying Tips, Deerfield Beach Condo Mortgage, Deerfield Beach Mortgage, First-Time Buyers, For Buyers, Mortgage Rates.

You may have seen the headlines saying mortgage rates have climbed to the highest point since January 2025. And if that’s left you reluctant to buy a home, here’s what you need to remember… That’s not necessarily the number you’d get. It’s a common misconception that the rate you see in the headlines is the same one you’d get when you buy. The truth is, mortgage rates shift often, and the rate you actually end up with can vary a lot from what you may see or hear about. What Determines Your Real Rate? Advertised rates and “real rates” aren’t always the...

There Are 4 Types of Housing Markets Right Now. Which 1 Are You In?

Written by Deerfield Beach Mortgage Syndicated User on September 24, 2026. Posted in Agent Value, Buying Tips, Deerfield Beach Condo Mortgage, Deerfield Beach Mortgage, For Buyers, For Sellers, Mortgage Rates, New Construction, Selling Tips.

Today’s housing market splits into four distinct types. You’ve got cash buyers, buyers financing a purchase, owners who feel locked into a low rate, and builders with homes to sell. Which type you’re in changes how you should buy or sell. Ryan Serhant, CEO of SERHANT agrees:“There is no longer a housing market . . . There are four Americas.”Here’s what each looks like, and what it means for you.Cash Buyers: 1 in 4 Buyers Are Paying with CashIf you already own a home, you may be able to buy your next place in cash thanks to your equity. In fact, 26% of existing home sales this summer were...

3 Things You Can Actually Control About Your Mortgage Rate Right Now

Written by Deerfield Beach Mortgage Syndicated User on September 22, 2026. Posted in Affordability, Buying Tips, Deerfield Beach Condo Mortgage, Deerfield Beach Mortgage, For Buyers, Mortgage Rates, New Construction.

If you’re trying to buy a home, affordability is probably what keeps you up at night. And as you watch mortgage rates tick up again lately, it’s fair to wonder if you should just hit pause and wait for them to go down. For now, though, they’re headed the other way. Mortgage News Daily data shows how rates have risen this year (see graph below):And if you’re wondering why? There are actually a number of reasons. Mortgage rates are impacted by the situation overseas, economic data, inflation numbers, oil prices, and even decisions from the Federal Reserve (who recently decided to hike...

The Best Time To Buy a Home in 2026 Is Almost Here

Written by Deerfield Beach Mortgage Syndicated User on September 17, 2026. Posted in Affordability, Buying Tips, Deerfield Beach Condo Mortgage, Deerfield Beach Mortgage, First-Time Buyers, For Buyers, Mortgage Rates.

Want to buy a house this year, but not sure if the timing’s right? Seasonally, it may actually be a better time to buy than you expect.Yes, mortgage rates have been ticking up lately – and that’s creating some real challenges with affordability. No one’s arguing that. But there are also predictable trends that happen this time every year that can put some wind back in your sails.According to research coming out of Realtor.com, nationally, the week of September 27 – October 3 will be the best time to buy this year for this very reason:“The week of September 27–October 3 brings together the...

Why Buyers Shouldn’t Overlook a Fall Move

Written by Deerfield Beach Mortgage Syndicated User on September 4, 2026. Posted in Affordability, Deerfield Beach Condo Mortgage, Deerfield Beach Mortgage, First-Time Buyers, For Buyers, Home Prices, Inventory, Mortgage Rates.

You’ve been waiting for something to change before you buy. It just might not be the thing you expected…While everyone’s paying attention to mortgage rates, only the savviest buyers know that the changing season can start tipping things in their favor. Because every fall, buyers tend to get more to choose from, better prices, and more room to negotiate. And that’s why Hannah Jones, Senior Economist at Realtor.com, says:“We always see that the best time to buy window usually falls in the early fall around October.”And that’s exactly why, if you’ve been waiting for a better moment...

Worried About a Housing Crash? The Numbers Tell a Calmer Story.

Written by Deerfield Beach Mortgage Syndicated User on August 27, 2026. Posted in Deerfield Beach Condo Mortgage, Deerfield Beach Mortgage, For Buyers, For Sellers, Home Prices, Inventory, Mortgage Rates.

A recent survey from Talker Research asked Americans to pick one word to describe how 2026 has felt so far. The winner? Stressful. And honestly, there’s been a lot going on.So, it’s understandable if you’ve been putting off buying or selling a home until things settle down. But you may be waiting on something that’s already happened. While everything else has felt shaky, the housing market has become one of the steadiest things out there. Look at the data.Home Prices Have Leveled OutAfter years of fast increases, data from the National Association of Realtors (NAR) shows home...

Here’s Why Mortgage Rates Are What They Are Right Now

Written by Deerfield Beach Mortgage Syndicated User on August 13, 2026. Posted in Affordability, Deerfield Beach Condo Mortgage, Deerfield Beach Mortgage, Economy, For Buyers, For Sellers, Mortgage Rates.

If you’re waiting for mortgage rates to fall a lot before you buy, you may be waiting a while. But before you get discouraged, there’s a number working behind the scenes that’s actually good for you right now. It’s called the spread, and once you understand it, you may see today’s rates in a whole new light.The Pattern That’s Held for 50+ YearsFor starters, mortgage rates don’t move on their own. They tend to follow the 10-year treasury yield, a number tied to how investors feel about the economy.It’s not an exact science, since plenty of other factors can move...

Thinking About Waiting for Lower Mortgage Rates? Read This First.

Written by Deerfield Beach Mortgage Syndicated User on August 7, 2026. Posted in Affordability, Buying Tips, Deerfield Beach Condo Mortgage, Deerfield Beach Mortgage, Economy, For Buyers, Forecasts, Mortgage Rates.

Imagine waiting a year to buy a home, only to find mortgage rates haven’t changed much. That may sound frustrating.But it’s a real possibility.A lot of people are putting their plans on hold because they believe much lower mortgage rates are right around the corner. But, based on today’s forecasts, that may not happen. And you should know that before you decide what to do.Let’s look at why experts don’t expect a dramatic drop in rates – and the options that could help you buy anyway. Because even if rates don’t fall, you can still move. Here’s how.1. Mortgage...