{"id":28,"date":"2026-10-13T14:00:00","date_gmt":"2026-10-13T14:00:00","guid":{"rendered":"https:\/\/www.carolynchristian.com\/blog\/2026\/10\/13\/smart-home-buying-tips-with-current-mortgage-rates\/"},"modified":"2026-10-13T14:00:00","modified_gmt":"2026-10-13T14:00:00","slug":"smart-home-buying-tips-with-current-mortgage-rates","status":"publish","type":"post","link":"https:\/\/www.carolynchristian.com\/blog\/2026\/10\/13\/smart-home-buying-tips-with-current-mortgage-rates\/","title":{"rendered":"Smart Home Buying Tips With Current Mortgage Rates"},"content":{"rendered":"<div class=\"roomvu-news-container\">\n<p>Mortgage rates remain above 7%, driven by inflation concerns and Federal Reserve rate hikes. The 30-year fixed mortgage rate rose to 7.12% amid bond market volatility. Buyers should budget for potential rate increases, allowing up to a full percentage point higher if purchasing a year out. Fall home prices are about 5% lower than in summer, offering negotiation opportunities as the market slows and inventory rises.<\/p>\n<p>\t<a class=\"roomvu-news-continue\" href=\"https:\/\/www.nerdwallet.com\/mortgages\/news\/weekly-mortgage-rates-9-24-26\"><\/p>\n<div>Continue to full article<\/div>\n<p>\t<\/a><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Mortgage rates remain above 7%, driven by inflation concerns and Federal Reserve rate hikes. The 30-year fixed mortgage rate rose to 7.12% amid bond market volatility. Buyers should budget for potential rate increases, allowing up to a full percentage point higher if purchasing a year out. Fall home prices are about 5% lower than in [&hellip;]<\/p>\n","protected":false},"author":82,"featured_media":29,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-28","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.carolynchristian.com\/blog\/wp-json\/wp\/v2\/posts\/28","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.carolynchristian.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.carolynchristian.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.carolynchristian.com\/blog\/wp-json\/wp\/v2\/users\/82"}],"replies":[{"embeddable":true,"href":"https:\/\/www.carolynchristian.com\/blog\/wp-json\/wp\/v2\/comments?post=28"}],"version-history":[{"count":0,"href":"https:\/\/www.carolynchristian.com\/blog\/wp-json\/wp\/v2\/posts\/28\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.carolynchristian.com\/blog\/wp-json\/wp\/v2\/media\/29"}],"wp:attachment":[{"href":"https:\/\/www.carolynchristian.com\/blog\/wp-json\/wp\/v2\/media?parent=28"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.carolynchristian.com\/blog\/wp-json\/wp\/v2\/categories?post=28"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.carolynchristian.com\/blog\/wp-json\/wp\/v2\/tags?post=28"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}