{"id":67,"date":"2026-10-28T17:00:00","date_gmt":"2026-10-28T17:00:00","guid":{"rendered":"https:\/\/www.juliemortgageteam.com\/blog\/?p=67"},"modified":"2026-10-28T17:00:00","modified_gmt":"2026-10-28T17:00:00","slug":"mortgage-rates-hit-a-yearly-high","status":"publish","type":"post","link":"https:\/\/www.juliemortgageteam.com\/blog\/2026\/10\/28\/mortgage-rates-hit-a-yearly-high\/","title":{"rendered":"Mortgage Rates Hit a Yearly High"},"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\/julie-settlemire\/mortgage-rates-september-remotion-videos-a9fb\" 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>Mortgage rates recently hit a yearly high, with the 30-year fixed loan settling in the low-7% range across the country. For those considering other options, the 15-year fixed is in the high-6% range, while 7\/6 ARMs are hovering near 7%. FHA, VA, jumbo, and home equity products are trending higher as well.<\/p>\n<p>Every borrower\u2019s needs are unique\u2014conventional loans tend to suit those with strong credit profiles, while FHA loans can open doors for first-time or credit-challenged buyers. VA loans remain a powerful resource for eligible service members. For homes at a higher price point, jumbo loans are still essential, especially in markets like Tennessee, Alabama, and North Carolina, where I work closely with clients navigating these scenarios.<\/p>\n<p>With rates above 7%, affordability becomes more challenging and the numbers matter more than ever. Using mortgage calculators to run the numbers is a smart first step\u2014comparing monthly payments can help you understand your true budget before locking in a loan. And for sellers, pricing strategy and a willingness to negotiate can make all the difference when rates create hesitation for buyers.<\/p>\n<p>As we head towards year-end, it looks like mortgage rates will continue to hover around 7% or higher. Whether you\u2019re a first-timer, a seasoned investor, or working through a unique situation like self-employment or VA eligibility, having the right guidance is key to making the best move in this market.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Mortgage rates recently hit a yearly high, with the 30-year fixed loan settling in the low-7% range across the country. For those considering other options, the 15-year fixed is in the high-6% range, while 7\/6 ARMs are hovering near 7%. FHA, VA, jumbo, and home equity products are trending higher as well. Every borrower\u2019s needs [&hellip;]<\/p>\n","protected":false},"author":199,"featured_media":68,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-67","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\/67","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=67"}],"version-history":[{"count":1,"href":"https:\/\/www.juliemortgageteam.com\/blog\/wp-json\/wp\/v2\/posts\/67\/revisions"}],"predecessor-version":[{"id":69,"href":"https:\/\/www.juliemortgageteam.com\/blog\/wp-json\/wp\/v2\/posts\/67\/revisions\/69"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.juliemortgageteam.com\/blog\/wp-json\/wp\/v2\/media\/68"}],"wp:attachment":[{"href":"https:\/\/www.juliemortgageteam.com\/blog\/wp-json\/wp\/v2\/media?parent=67"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.juliemortgageteam.com\/blog\/wp-json\/wp\/v2\/categories?post=67"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.juliemortgageteam.com\/blog\/wp-json\/wp\/v2\/tags?post=67"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}