Reali Roundup: Don’t let your buying power shrink 💰

September 9, 2021


Low rates mean big buying power, but do you know what drives them? If you have a general idea, but aren’t really sure… you’re not alone.

Simply put, a variety of economic and regulatory factors impact how and when rates rise and fall. Generally, mortgage rates tend to rise when fast economic growth, higher inflation, and low unemployment are on the horizon, and fall when the economy slows, inflation falls, and unemployment rises.

Recently, we’ve heard that the Federal Reserve, which dropped the federal funds rate to 0% in the early days of COVID-19, may soon start to reverse course. While the Federal Reserve does not have the power to directly set mortgage rates, its monetary policies do indirectly impact rates.

So, what does this mean if you’re looking to buy or sell a home in 2021, or even 2022?

Freddie Mac predicts that the average mortgage rate for a 30-year fixed loan will be 3.8% by the fourth quarter of 2022. While that is higher than the average rate today, it’s still very competitive. However, if you’re a buyer sitting on the fence, now may be the time to take advantage of crazy-low interest rates.

30 year fixed mortgage with 20% down payment. Rates, terms, and conditions are subject to change without notice.

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Don’t be overwhelmed by market trends and news. That’s our specialty! (Well, knowing the market, that is. Not being overwhelmed!)

If you’re thinking about selling your current home or purchasing a new one while interest rates are low, our team of Reali experts is standing by to answer your questions. Let’s start a conversation today!