{"id":38,"date":"2026-10-10T15:00:00","date_gmt":"2026-10-10T15:00:00","guid":{"rendered":"https:\/\/www.juliemortgageteam.com\/blog\/?p=38"},"modified":"2026-10-10T15:00:00","modified_gmt":"2026-10-10T15:00:00","slug":"plan-your-path-to-a-430k-home-at-6-95-rate","status":"publish","type":"post","link":"https:\/\/www.juliemortgageteam.com\/blog\/2026\/10\/10\/plan-your-path-to-a-430k-home-at-6-95-rate\/","title":{"rendered":"Plan Your Path to a $430K Home at 6.95% Rate"},"content":{"rendered":"<div class=\"roomvu-news-container\">\n<p>With 30-year fixed mortgage rates now at 6.95%\u2014the highest we&#039;ve seen since January 2025\u2014the monthly payments for a median-priced $430K home are climbing. Even FHA loan payments have ticked up, though it&#039;s worth noting that rates are still below the peak of 7.79% from October 2023. As someone who helps borrowers across Tennessee, Alabama, and North Carolina navigate these shifts, I know firsthand how rising rates can impact your plans, whether you&#039;re a first-time buyer, investor, or looking to refinance. It&#039;s a challenging moment, but understanding the numbers is the first step to making smart, confident decisions about your next move.<\/p>\n<p>\t<a class=\"roomvu-news-continue\" href=\"https:\/\/finance.yahoo.com\/real-estate\/articles\/mortgage-calculator-much-buy-430k-191500312.html\"><\/p>\n<div>Continue to full article<\/div>\n<p>\t<\/a><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>With 30-year fixed mortgage rates now at 6.95%\u2014the highest we&#039;ve seen since January 2025\u2014the monthly payments for a median-priced $430K home are climbing. Even FHA loan payments have ticked up, though it&#039;s worth noting that rates are still below the peak of 7.79% from October 2023. As someone who helps borrowers across Tennessee, Alabama, and [&hellip;]<\/p>\n","protected":false},"author":199,"featured_media":39,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-38","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.juliemortgageteam.com\/blog\/wp-json\/wp\/v2\/posts\/38","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.juliemortgageteam.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.juliemortgageteam.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.juliemortgageteam.com\/blog\/wp-json\/wp\/v2\/users\/199"}],"replies":[{"embeddable":true,"href":"https:\/\/www.juliemortgageteam.com\/blog\/wp-json\/wp\/v2\/comments?post=38"}],"version-history":[{"count":1,"href":"https:\/\/www.juliemortgageteam.com\/blog\/wp-json\/wp\/v2\/posts\/38\/revisions"}],"predecessor-version":[{"id":40,"href":"https:\/\/www.juliemortgageteam.com\/blog\/wp-json\/wp\/v2\/posts\/38\/revisions\/40"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.juliemortgageteam.com\/blog\/wp-json\/wp\/v2\/media\/39"}],"wp:attachment":[{"href":"https:\/\/www.juliemortgageteam.com\/blog\/wp-json\/wp\/v2\/media?parent=38"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.juliemortgageteam.com\/blog\/wp-json\/wp\/v2\/categories?post=38"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.juliemortgageteam.com\/blog\/wp-json\/wp\/v2\/tags?post=38"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}