{"id":6587,"date":"2022-11-04T09:00:00","date_gmt":"2022-11-04T14:00:00","guid":{"rendered":"https:\/\/www.morty.com\/resources\/?p=6587"},"modified":"2022-11-04T10:19:00","modified_gmt":"2022-11-04T15:19:00","slug":"the-feds-rate-hike-a-guide-for-homebuyers","status":"publish","type":"post","link":"https:\/\/www.morty.com\/resources\/the-morty-report\/the-feds-rate-hike-a-guide-for-homebuyers","title":{"rendered":"The Fed\u2019s rate hike: a guide for homebuyers"},"content":{"rendered":"\n<h2 class=\"wp-block-heading has-larger-font-size\">The market is changing quickly, as the Fed raises rates again<\/h2>\n\n\n\n<p>This week, the Federal Reserve met and issued another interest rate hike as it works to bring the rate of inflation back to 2% (it came in at 8.2% in September). For homebuyers, rate hikes have <a href=\"https:\/\/www.nytimes.com\/2022\/11\/03\/business\/mortgage-rates-fed-wall-street.html\">contributed<\/a> to volatility in the secondary mortgage market (where mortgages are bundled and sold as securities), helping to drive mortgage rates higher over the past several months. At the end of October, 30-year fixed rates <a href=\"https:\/\/www.cnn.com\/2022\/11\/03\/homes\/mortgage-rates-november-3\/index.html\">eclipsed 7%<\/a>, their highest level in over 20 years.&nbsp;<\/p>\n\n\n\n<p>With the volatility we\u2019ve seen this year, it\u2019s difficult to say whether we\u2019ve hit a ceiling or to say how things will move from here. Economic uncertainty remains, with headlines around a looming recession and layoffs leaving many understandably skittish. Would-be buyers and sellers are also still adjusting to the whiplash that comes from transitioning quickly from a hot market to the more limited activity we\u2019re seeing now. Those considering jumping into the market should keep in mind that while low inventory means fewer properties to choose from, there could be some opportunities with less competition and sellers that are more amenable to price cuts.<br><br>&#8211; Robert Heck, Vice President of Mortgage @ <a href=\"https:\/\/www.morty.com\">Morty<\/a><\/p>\n\n\n\n<div class=\"wp-block-media-text alignwide is-stacked-on-mobile has-white-color has-theme-palette-1-background-color has-text-color has-background\" style=\"grid-template-columns:25% auto\"><figure class=\"wp-block-media-text__media\"><a href=\"https:\/\/www.morty.com\/mortgage-rates\"><img loading=\"lazy\" decoding=\"async\" width=\"1080\" height=\"1080\" src=\"https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2023\/05\/rates-1x1-1.png\" alt=\"\" class=\"wp-image-8885 size-full\"\/><\/a><\/figure><div class=\"wp-block-media-text__content\">\n<p class=\"has-text-align-center has-large-font-size\">Want to know what you can afford?<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-1 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-75\"><a class=\"wp-block-button__link has-theme-palette-3-color has-white-background-color has-text-color has-background wp-element-button\" href=\"https:\/\/www.morty.com\/mortgage-rates\" style=\"border-radius:100px\" target=\"_blank\" rel=\"noreferrer noopener\">VIEW Mortgage RATES<\/a><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">What Do Buyers Need to Know?<\/h2>\n\n\n\n<p><strong>Focus on Affordability<\/strong>: While there\u2019s no question that rates are high, this doesn\u2019t <a href=\"https:\/\/www.morty.com\/resources\/money-matters\/the-upside-to-higher-rates\">automatically mean it\u2019s the wrong time to buy.<\/a> It really comes down to what you can <a href=\"https:\/\/www.morty.com\/resources\/money-matters\/how-to-buy-a-house-with-no-money-down\">afford<\/a> to buy right now and how that intersects with your homeownership goals. This may be especially true if you\u2019re looking to stay in your home for a longer period of time.&nbsp; Building equity in a home, even if rates are high or you can\u2019t afford as much as you could have last year, could still be helpful when it comes to building wealth long term.<\/p>\n\n\n\n<p><strong>Don\u2019t Panic<\/strong>: There\u2019s no question that things have changed since earlier this year, but it\u2019s unlikely that we\u2019re headed for a housing crisis that\u2019s comparable to what we saw in 2008. Fundamentals remain different, and we\u2019ve still yet to see significant price drops aside from certain markets that were highly inflated during the pandemic.&nbsp;<\/p>\n\n\n\n<p><strong>Know Your Options<\/strong>: If you are considering buying, it\u2019s more important than ever to understand the <a href=\"https:\/\/www.morty.com\/resources\/mortgage-101\/how-to-shop-for-a-mortgage\">wide range of options that <\/a>&nbsp;can help make the market more accessible. Explore different types of loan options, from conventional, low-down payment options like <a href=\"https:\/\/www.morty.com\/resources\/mortgage-101\/homeready-low-down-payment-mortgage-program\">HomeReady<\/a>, to <a href=\"https:\/\/www.morty.com\/resources\/mortgage-101\/what-is-an-fha-loan\">FHA loans<\/a> with lower credit score requirements. Depending on your individual financial situation, it could also be worth looking into affordability tools such as <a href=\"https:\/\/www.morty.com\/resources\/mortgage-101\/how-does-rent-to-own-work\">rent-to-own<\/a> and buy-before-sell.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">A bit of history<\/h2>\n\n\n\n<p>Mortgage rates hit their highest annual rate in 1981, when they stood at an average of 16.63%, according to <a href=\"https:\/\/www.rocketmortgage.com\/learn\/historical-mortgage-rates-30-year-fixed\">a recent study by Rocket Mortgage<\/a> of Freddie Mac data. While rates seem high now, and they\u2019re certainly much higher than the 3% rates we saw just a year ago, it\u2019s important to keep things in perspective.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The market is changing quickly, as the Fed raises rates again. What to do: focus on Affordability, don&#8217;t panic, know your options.<\/p>\n","protected":false},"author":30,"featured_media":6588,"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":[63,564],"series":[562],"class_list":["post-6587","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-the-morty-report","tag-buying","tag-mortgage-rates","series-the-morty-report-newsletter"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.3.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Fed\u2019s rate hike: a guide for homebuyers | Morty Resources<\/title>\n<meta name=\"description\" content=\"The market is changing quickly, as the Fed raises rates again. 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href=\"https:\/\/www.morty.com\/resources\/category\/the-morty-report\" rel=\"category tag\">The Morty Report<\/a>","rttpg_excerpt":"The market is changing quickly, as the Fed raises rates again. What to do: focus on Affordability, don't panic, know your options.","_links":{"self":[{"href":"https:\/\/www.morty.com\/resources\/wp-json\/wp\/v2\/posts\/6587","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\/30"}],"replies":[{"embeddable":true,"href":"https:\/\/www.morty.com\/resources\/wp-json\/wp\/v2\/comments?post=6587"}],"version-history":[{"count":13,"href":"https:\/\/www.morty.com\/resources\/wp-json\/wp\/v2\/posts\/6587\/revisions"}],"predecessor-version":[{"id":11657,"href":"https:\/\/www.morty.com\/resources\/wp-json\/wp\/v2\/posts\/6587\/revisions\/11657"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.morty.com\/resources\/wp-json\/wp\/v2\/media\/6588"}],"wp:attachment":[{"href":"https:\/\/www.morty.com\/resources\/wp-json\/wp\/v2\/media?parent=6587"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.morty.com\/resources\/wp-json\/wp\/v2\/categories?post=6587"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.morty.com\/resources\/wp-json\/wp\/v2\/tags?post=6587"},{"taxonomy":"series","embeddable":true,"href":"https:\/\/www.morty.com\/resources\/wp-json\/wp\/v2\/series?post=6587"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}