{"id":5736,"date":"2022-06-09T22:46:10","date_gmt":"2022-06-10T03:46:10","guid":{"rendered":"https:\/\/www.morty.com\/resources\/?p=5736"},"modified":"2022-06-10T14:06:00","modified_gmt":"2022-06-10T19:06:00","slug":"the-morty-report-are-we-finally-catching-a-break","status":"publish","type":"post","link":"https:\/\/www.morty.com\/resources\/the-morty-report\/the-morty-report-are-we-finally-catching-a-break","title":{"rendered":"Are We Finally Catching a Break?"},"content":{"rendered":"\n

Mortgage rates last week dropped for the third week in a row<\/a>. So the big question on homebuyers\u2019 minds: are we finally catching a break?<\/em> <\/p>\n\n\n\n

Mortgage rates last week dropped for the third week in a row<\/a>. So the big question on homebuyers\u2019 minds: are we finally catching a break?<\/em>It depends on where you are in the homebuying process. The recent rate drop is primarily due to a lack of changes to the market as opposed to a macro shift. To put it in perspective, inventory remains at historic lows, markets remain competitive and mortgage rates are still about 2 percentage points higher than they were a year ago. Read on to learn what it all means for homebuyers.

-Robert Heck, Vice President of Mortgage @ Morty<\/a><\/em><\/p>\n\n\n\n

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Not sure what to do?<\/strong> We can help! Drop us a line on Twitter @himorty<\/a> or email MortyReport@morty.com<\/a>.<\/p>\n<\/div>\n\n\n\n

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What to do<\/h2>\n\n\n\n

Want to lower your interest rate?<\/strong> There\u2019s several options to explore here. Float-down options<\/a> are a provision that allow buyers to, in some cases, lower their locked rate prior to closing. Mortgage points \u2013 also called discount points<\/a> \u2013 can help lower your rate upfront. And if you\u2019re planning to buy soon, a to-be-determined (TBD) mortgage allows you to lock in a rate for up to 180 days \u2013 even without a property address. Get started with your personalized loan options<\/a>.<\/p>\n\n\n\n

Need to buy now? <\/strong>There\u2019s an advantage to locking in a rate now, considering that mortgage rates are lower than they were just a few weeks ago. Big picture: It will take time for the market to really settle in at these levels, and rates could continue to climb in response to inflation and other key drivers. When it\u2019s time to buy, we can help speed up the process!<\/p>\n\n\n\n

Looking to buy a starter home?<\/strong> Conditions right now are tough for a lot of first-time homebuyers, but that doesn\u2019t make it impossible. It could be worth looking at some alternative financing options, like an Adjustable-Rate Mortgage<\/a> for lower upfront rates \u2013 especially if you only plan to be in the home for a few years.<\/p>\n\n\n\n

\"couple<\/a><\/figure>
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Ready to move forward?<\/p>\n\n\n\n

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get pre-approved in minutes<\/a><\/div>\n<\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"

June 9, 2022. Mortgage rates last week dropped for the third week in a row. So the big question on homebuyers\u2019 minds: are we finally catching a break? <\/p>\n

It depends on where you are in the homebuying process. <\/p>\n","protected":false},"author":1,"featured_media":5963,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","_lmt_disableupdate":"yes","_lmt_disable":"","_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"categories":[611],"tags":[569,49],"series":[562],"class_list":["post-5736","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-the-morty-report","tag-arms","tag-closing-costs","series-the-morty-report-newsletter"],"acf":[],"yoast_head":"\nAre We Finally Catching a Break? | Morty Resources<\/title>\n<meta name=\"description\" content=\"Mortgage rates last week dropped for the third week in a row. 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Apsel","author_link":"https:\/\/www.morty.com\/resources\/author\/nora"},"rttpg_comment":0,"rttpg_category":"<a href=\"https:\/\/www.morty.com\/resources\/category\/the-morty-report\" rel=\"category tag\">The Morty Report<\/a>","rttpg_excerpt":"June 9, 2022. Mortgage rates last week dropped for the third week in a row. So the big question on homebuyers\u2019 minds: are we finally catching a break? It depends on where you are in the homebuying process.","_links":{"self":[{"href":"https:\/\/www.morty.com\/resources\/wp-json\/wp\/v2\/posts\/5736","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.morty.com\/resources\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.morty.com\/resources\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.morty.com\/resources\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.morty.com\/resources\/wp-json\/wp\/v2\/comments?post=5736"}],"version-history":[{"count":24,"href":"https:\/\/www.morty.com\/resources\/wp-json\/wp\/v2\/posts\/5736\/revisions"}],"predecessor-version":[{"id":12181,"href":"https:\/\/www.morty.com\/resources\/wp-json\/wp\/v2\/posts\/5736\/revisions\/12181"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.morty.com\/resources\/wp-json\/wp\/v2\/media\/5963"}],"wp:attachment":[{"href":"https:\/\/www.morty.com\/resources\/wp-json\/wp\/v2\/media?parent=5736"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.morty.com\/resources\/wp-json\/wp\/v2\/categories?post=5736"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.morty.com\/resources\/wp-json\/wp\/v2\/tags?post=5736"},{"taxonomy":"series","embeddable":true,"href":"https:\/\/www.morty.com\/resources\/wp-json\/wp\/v2\/series?post=5736"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}