{"id":106,"date":"2026-10-14T12:00:00","date_gmt":"2026-10-14T12:00:00","guid":{"rendered":"https:\/\/www.michelemovesmountains.com\/blog\/?p=106"},"modified":"2026-10-14T12:00:00","modified_gmt":"2026-10-14T12:00:00","slug":"bargain-hunting-with-rates-above-7-https-www-michelemovesmountains-com","status":"publish","type":"post","link":"https:\/\/www.michelemovesmountains.com\/blog\/2026\/10\/14\/bargain-hunting-with-rates-above-7-https-www-michelemovesmountains-com\/","title":{"rendered":"Bargain Hunting With Rates Above 7% | https:\/\/www.michelemovesmountains.com"},"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\/michele-madison\/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 above 7%, many buyers are wondering how to approach the North Georgia market. As someone who\u2019s helped clients navigate both the numbers and the nuances of buying in our mountain communities, I\u2019ve seen how a strategic approach can make a real difference. Recent studies suggest that planning for rate changes\u2014a half-point within 3 months, three-quarters in 6 months, and possibly a full point by year\u2019s end\u2014can provide a helpful cushion as you consider your options. Interestingly, buyers who wait until early Q4 often find more leverage: typical homes are about 5% less expensive than in late Q2, competition eases, and there\u2019s more time for thoughtful negotiation. In the last month, the market had about a 5-month supply, giving buyers more strength to negotiate not just on price, but on closing costs, discount points, or even temporary rate buydowns. While the markets are still anticipating further Fed moves, the longer-term goal remains: cooler inflation and, hopefully, some future relief on mortgage costs. If you\u2019re looking to make a move in the mountains, knowing how to time your purchase and where to find opportunity is key to making the most of what North Georgia has to offer.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>With mortgage rates holding above 7%, many buyers are wondering how to approach the North Georgia market. As someone who\u2019s helped clients navigate both the numbers and the nuances of buying in our mountain communities, I\u2019ve seen how a strategic approach can make a real difference. Recent studies suggest that planning for rate changes\u2014a half-point [&hellip;]<\/p>\n","protected":false},"author":266,"featured_media":107,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-106","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.michelemovesmountains.com\/blog\/wp-json\/wp\/v2\/posts\/106","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.michelemovesmountains.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.michelemovesmountains.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.michelemovesmountains.com\/blog\/wp-json\/wp\/v2\/users\/266"}],"replies":[{"embeddable":true,"href":"https:\/\/www.michelemovesmountains.com\/blog\/wp-json\/wp\/v2\/comments?post=106"}],"version-history":[{"count":1,"href":"https:\/\/www.michelemovesmountains.com\/blog\/wp-json\/wp\/v2\/posts\/106\/revisions"}],"predecessor-version":[{"id":108,"href":"https:\/\/www.michelemovesmountains.com\/blog\/wp-json\/wp\/v2\/posts\/106\/revisions\/108"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.michelemovesmountains.com\/blog\/wp-json\/wp\/v2\/media\/107"}],"wp:attachment":[{"href":"https:\/\/www.michelemovesmountains.com\/blog\/wp-json\/wp\/v2\/media?parent=106"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.michelemovesmountains.com\/blog\/wp-json\/wp\/v2\/categories?post=106"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.michelemovesmountains.com\/blog\/wp-json\/wp\/v2\/tags?post=106"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}