{"id":118,"date":"2026-10-12T16:00:00","date_gmt":"2026-10-12T16:00:00","guid":{"rendered":"https:\/\/www.karencastanedafloridarealestate.com\/blog\/?p=118"},"modified":"2026-10-12T16:00:00","modified_gmt":"2026-10-12T16:00:00","slug":"bargain-hunting-with-rates-above-7","status":"publish","type":"post","link":"https:\/\/www.karencastanedafloridarealestate.com\/blog\/2026\/10\/12\/bargain-hunting-with-rates-above-7\/","title":{"rendered":"Bargain Hunting With Rates Above 7%"},"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\/karen-castaneda\/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 Naples market with mortgage rates holding above 7% can feel daunting, but there\u2019s a silver lining for buyers who are patient and strategic. As borrowing costs climb on the heels of Treasury yield increases and possible Fed moves, I always suggest planning ahead\u2014especially if you\u2019re relocating to Southwest Florida or investing in your next chapter here. Recent studies recommend building in a rate cushion: a half-point over three months, three-quarters by six months, and a full point within a year, so you\u2019re prepared for shifts.<\/p>\n<p>Interestingly, buyers who waited until early Q4 last year typically saw homes listed about 5% lower than in late Q2, with fewer bidding wars and more time to negotiate. With roughly a five-month supply recently, buyers have found themselves with more power\u2014not just on price, but also on closing costs, discount points, or even temporary rate buydowns. While markets are still factoring in further Fed tightening, the long-term goal remains: taming inflation to eventually ease mortgage rates.<\/p>\n<p>Having helped many clients find their Florida paradise through all kinds of market cycles, I know how to turn these conditions into opportunities. If you\u2019re considering a move or want to understand how to position yourself for success, I\u2019m always here to share my local expertise and support you every step of the way.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Navigating the Naples market with mortgage rates holding above 7% can feel daunting, but there\u2019s a silver lining for buyers who are patient and strategic. As borrowing costs climb on the heels of Treasury yield increases and possible Fed moves, I always suggest planning ahead\u2014especially if you\u2019re relocating to Southwest Florida or investing in your [&hellip;]<\/p>\n","protected":false},"author":200,"featured_media":119,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-118","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.karencastanedafloridarealestate.com\/blog\/wp-json\/wp\/v2\/posts\/118","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.karencastanedafloridarealestate.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.karencastanedafloridarealestate.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.karencastanedafloridarealestate.com\/blog\/wp-json\/wp\/v2\/users\/200"}],"replies":[{"embeddable":true,"href":"https:\/\/www.karencastanedafloridarealestate.com\/blog\/wp-json\/wp\/v2\/comments?post=118"}],"version-history":[{"count":1,"href":"https:\/\/www.karencastanedafloridarealestate.com\/blog\/wp-json\/wp\/v2\/posts\/118\/revisions"}],"predecessor-version":[{"id":120,"href":"https:\/\/www.karencastanedafloridarealestate.com\/blog\/wp-json\/wp\/v2\/posts\/118\/revisions\/120"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.karencastanedafloridarealestate.com\/blog\/wp-json\/wp\/v2\/media\/119"}],"wp:attachment":[{"href":"https:\/\/www.karencastanedafloridarealestate.com\/blog\/wp-json\/wp\/v2\/media?parent=118"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.karencastanedafloridarealestate.com\/blog\/wp-json\/wp\/v2\/categories?post=118"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.karencastanedafloridarealestate.com\/blog\/wp-json\/wp\/v2\/tags?post=118"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}