{"id":13,"date":"2026-10-07T09:00:00","date_gmt":"2026-10-07T09:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/mrkenmortgage-com\/2026\/10\/07\/bargain-hunting-with-rates-above-7\/"},"modified":"2026-10-07T09:00:00","modified_gmt":"2026-10-07T09:00:00","slug":"bargain-hunting-with-rates-above-7","status":"publish","type":"post","link":"https:\/\/www.mrkenmortgage.com\/blog\/2026\/10\/07\/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\/ken-rea\/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 steady above 7%, many are wondering if it\u2019s even possible to find a deal\u2014especially as markets keep an eye on the Fed and rising Treasury yields. As someone who\u2019s navigated every kind of rate environment over the last three decades, I can tell you: sometimes the best opportunities come when most buyers are stepping back.<\/p>\n<p>A recent study highlights how planning ahead can make a difference. Building in a rate cushion\u2014say, a half-point over 3 months, three-quarters by 6 months, and a full point by a year\u2014gives you room to navigate. In my experience, buyers who look later in the year often find more leverage: homes typically ran about 5% cheaper in early Q4 than late Q2, with fewer bidding wars and more time to negotiate.<\/p>\n<p>Inventory was at a five-month supply last month, which means there\u2019s real bargaining power out there. That can translate to better prices, closing cost help, or even temporary rate buydowns. Even as markets brace for more Fed action, the long-term goal is still to get inflation under control\u2014which could eventually bring some relief on mortgage costs.<\/p>\n<p>If you\u2019re self-employed or your situation doesn\u2019t fit the standard box, this is the time when thoughtful strategy pays off. I\u2019ve helped many clients structure loans that work for their unique scenario, and even in a high-rate market, the right approach can make all the difference.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>With mortgage rates holding steady above 7%, many are wondering if it\u2019s even possible to find a deal\u2014especially as markets keep an eye on the Fed and rising Treasury yields. As someone who\u2019s navigated every kind of rate environment over the last three decades, I can tell you: sometimes the best opportunities come when most [&hellip;]<\/p>\n","protected":false},"author":564,"featured_media":14,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-13","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.mrkenmortgage.com\/blog\/wp-json\/wp\/v2\/posts\/13","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.mrkenmortgage.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.mrkenmortgage.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.mrkenmortgage.com\/blog\/wp-json\/wp\/v2\/users\/564"}],"replies":[{"embeddable":true,"href":"https:\/\/www.mrkenmortgage.com\/blog\/wp-json\/wp\/v2\/comments?post=13"}],"version-history":[{"count":0,"href":"https:\/\/www.mrkenmortgage.com\/blog\/wp-json\/wp\/v2\/posts\/13\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.mrkenmortgage.com\/blog\/wp-json\/wp\/v2\/media\/14"}],"wp:attachment":[{"href":"https:\/\/www.mrkenmortgage.com\/blog\/wp-json\/wp\/v2\/media?parent=13"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mrkenmortgage.com\/blog\/wp-json\/wp\/v2\/categories?post=13"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mrkenmortgage.com\/blog\/wp-json\/wp\/v2\/tags?post=13"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}