{"id":33,"date":"2026-10-08T12:00:00","date_gmt":"2026-10-08T12:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/homes-by-chelsea-com\/2026\/10\/08\/bargain-hunting-with-rates-above-7-nepa-real-estate\/"},"modified":"2026-10-08T12:00:00","modified_gmt":"2026-10-08T12:00:00","slug":"bargain-hunting-with-rates-above-7-nepa-real-estate","status":"publish","type":"post","link":"https:\/\/www.homes-by-chelsea.com\/blog\/2026\/10\/08\/bargain-hunting-with-rates-above-7-nepa-real-estate\/","title":{"rendered":"Bargain Hunting With Rates Above 7% | NEPA REAL ESTATE"},"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\/chelsea-ann-aleksich\/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>Navigating the current market, with mortgage rates steady above 7%, calls for a strategic approach\u2014especially as Treasury yields continue to influence borrowing costs and affordability remains a top concern for many buyers. As someone who advises on both real estate and financing, I always recommend planning for possible shifts: studies suggest preparing for a half-point rate change within three months, three-quarters in six, and a full point within a year.<\/p>\n<p>Interestingly, buyers who purchase later in the year often find themselves with more negotiating power\u2014homes have typically been about 5% less expensive in Early Q4 compared to Late Q2, thanks to less competition and more time to consider each decision. With inventory holding at around a five-month supply recently, buyers can negotiate not just on price, but also on closing costs, discount points, or even temporary rate buydowns.<\/p>\n<p>While the market is currently factoring in more Fed tightening, the broader goal remains a cooler inflation environment that could help ease mortgage costs down the road. By combining negotiation expertise with in-depth lending knowledge, it\u2019s possible to position yourself for success even while rates remain elevated.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Navigating the current market, with mortgage rates steady above 7%, calls for a strategic approach\u2014especially as Treasury yields continue to influence borrowing costs and affordability remains a top concern for many buyers. As someone who advises on both real estate and financing, I always recommend planning for possible shifts: studies suggest preparing for a half-point [&hellip;]<\/p>\n","protected":false},"author":566,"featured_media":34,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-33","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.homes-by-chelsea.com\/blog\/wp-json\/wp\/v2\/posts\/33","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.homes-by-chelsea.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.homes-by-chelsea.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.homes-by-chelsea.com\/blog\/wp-json\/wp\/v2\/users\/566"}],"replies":[{"embeddable":true,"href":"https:\/\/www.homes-by-chelsea.com\/blog\/wp-json\/wp\/v2\/comments?post=33"}],"version-history":[{"count":0,"href":"https:\/\/www.homes-by-chelsea.com\/blog\/wp-json\/wp\/v2\/posts\/33\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.homes-by-chelsea.com\/blog\/wp-json\/wp\/v2\/media\/34"}],"wp:attachment":[{"href":"https:\/\/www.homes-by-chelsea.com\/blog\/wp-json\/wp\/v2\/media?parent=33"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.homes-by-chelsea.com\/blog\/wp-json\/wp\/v2\/categories?post=33"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.homes-by-chelsea.com\/blog\/wp-json\/wp\/v2\/tags?post=33"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}