{"id":9483,"date":"2026-04-23T12:00:00","date_gmt":"2026-04-23T19:00:00","guid":{"rendered":"https:\/\/lisamillerpllc.com\/staging\/?p=9483"},"modified":"2026-04-23T12:00:00","modified_gmt":"2026-04-23T19:00:00","slug":"is-2026-the-year-to-lock-in-a-rate","status":"publish","type":"post","link":"https:\/\/lisamillerpllc.com\/staging\/is-2026-the-year-to-lock-in-a-rate\/","title":{"rendered":"Is 2026 the Year to Lock in a Rate?"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\"\n                src=\"https:\/\/www.roomvu.com\/agent\/embed\/lisa-miller-2\/rate-2026-predictions\"\n                frameborder=\"0\"\n                allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\"\n                allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>30-year fixed rates are projected to gradually ease, remaining mostly above 6%.<br \/>\nFannie Mae forecasts ~5.9% by year-end, while Zillow and Realtor.com expect low- to mid-6% range.<br \/>\nRate reductions may modestly ease payments but won\u2019t offset high prices, taxes, and insurance.<br \/>\nRates tie closely to Treasury yields and Fed policy, with sharp declines unlikely without slowdown.<br \/>\nBuyers prepared financially can build equity sooner, rather than waiting for minor rate improvements.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>30-year fixed rates are projected to gradually ease, remaining mostly above 6%. Fannie Mae forecasts ~5.9% by year-end, while Zillow and Realtor.com expect low- to mid-6% range. Rate reductions may modestly ease payments but won\u2019t offset high prices, taxes, and insurance. Rates tie closely to Treasury yields and Fed policy, with sharp declines unlikely without [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":9484,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","content-type":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[3],"tags":[],"class_list":["post-9483","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"jetpack_publicize_connections":[],"jetpack_shortlink":"https:\/\/wp.me\/paOTA9-2sX","jetpack-related-posts":[{"id":9934,"url":"https:\/\/lisamillerpllc.com\/staging\/us-buyers-navigate-low-6-rate-outlook\/","url_meta":{"origin":9483,"position":0},"title":"US Buyers Navigate Low-6% Rate Outlook","author":"admin","date":"August 31, 2026","format":false,"excerpt":"An industry group projected the 30-yr fixed mortgage rate would hold in the low-6% range through the rest of 2026 nationally for buyers. That outlook suggested borrowing costs would stay elevated, continuing to compress affordability for US households shopping the new-home market in the balance of 2026. Entry-level buyers faced\u2026","rel":"","context":"In &quot;News&quot;","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/08\/new-home-sales-edge-up-but-the-year-over-year-gap-widens-d60f_share.jpg?fit=496%2C279&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":8831,"url":"https:\/\/lisamillerpllc.com\/staging\/mortgage-rate-forecast-mid-q3-to-late-q4-2025\/","url_meta":{"origin":9483,"position":1},"title":"Mortgage Rate Forecast: Mid-Q3 to Late-Q4 2025","author":"admin","date":"October 9, 2025","format":false,"excerpt":"Mortgage rates are forecasted to gradually decline from around 6.7% in August to approximately 6.3%-6.5% by December 2025. Leading experts like NAR and Fannie Mae predict rates will stay steady in the mid-6% range with no major drops below 6%. The gradual easing is driven by expected Federal Reserve policy\u2026","rel":"","context":"In &quot;News&quot;","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2025\/10\/forecast-mid-late_share.jpg?fit=496%2C279&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":10039,"url":"https:\/\/lisamillerpllc.com\/staging\/u-s-builder-sentiment-hits-12-month-low\/","url_meta":{"origin":9483,"position":2},"title":"U.S. Builder Sentiment Hits 12-Month Low","author":"admin","date":"October 8, 2026","format":false,"excerpt":"Builder sentiment across the U.S. just reached its lowest point in the past year, with the latest builder-confidence index dropping 3 points to 32 in late Q3. As someone who guides everyday investors and homeowners through the ups and downs of residential real estate, I pay close attention to these\u2026","rel":"","context":"In &quot;Editor's Pick&quot;","block_context":{"text":"Editor's Pick","link":"https:\/\/lisamillerpllc.com\/staging\/category\/editors-pick\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/10\/home-builder-sentiment-remotion-videos-f500_share.jpg?fit=496%2C279&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":9245,"url":"https:\/\/lisamillerpllc.com\/staging\/negotiate-your-mortgage-rate-and-save-money-in-the-long-run\/","url_meta":{"origin":9483,"position":3},"title":"Negotiate your mortgage rate and save money in the long run","author":"admin","date":"February 15, 2026","format":false,"excerpt":"Mortgages vary in type and rates, with 15-year mortgages typically having lower rates than 30-year ones. To negotiate a better mortgage rate, it's essential to shop around and compare offers from multiple lenders. A strong credit score, income, and assets can enhance your negotiating position. If your credit isn't great,\u2026","rel":"","context":"In &quot;News&quot;","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":8688,"url":"https:\/\/lisamillerpllc.com\/staging\/will-middle-east-war-cloud-mortgage-rate-cuts\/","url_meta":{"origin":9483,"position":4},"title":"Will Middle East War Cloud Mortgage Rate Cuts?","author":"admin","date":"August 18, 2025","format":false,"excerpt":"Mortgage rates hovered between 6.5% and 7% amid ongoing economic uncertainty. Middle East tensions had minimal impact on rates, as ceasefire holds and inflation remains key. Tariff-induced inflation may delay Fed cuts, keeping mortgage rates elevated into 2025. The Mortgage Bankers Association predicts only a slight drop to 6.7% this\u2026","rel":"","context":"In &quot;News&quot;","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2025\/08\/mortgage-rate-war_share.jpg?fit=496%2C279&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":9525,"url":"https:\/\/lisamillerpllc.com\/staging\/spring-fever-hits-housing-as-buyers-brush-off-rate-hikes\/","url_meta":{"origin":9483,"position":5},"title":"Spring Fever Hits Housing As Buyers Brush Off Rate Hikes","author":"admin","date":"May 8, 2026","format":false,"excerpt":"Contract signings for existing homes rose 1.5% in March despite higher mortgage rates, showing strong buyer demand. Pending sales are down 1.1% year-over-year, with the Northeast and South seeing gains while the Midwest and West declined. The South led growth with a 2.3% annual increase due to price cuts and\u2026","rel":"","context":"In &quot;News&quot;","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/05\/1-2.jpg?fit=1080%2C1080&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/05\/1-2.jpg?fit=1080%2C1080&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/05\/1-2.jpg?fit=1080%2C1080&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/05\/1-2.jpg?fit=1080%2C1080&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/05\/1-2.jpg?fit=1080%2C1080&ssl=1&resize=1050%2C600 3x"},"classes":[]}],"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/04\/rate-2026-predictions_share.jpg?fit=496%2C279&ssl=1","_links":{"self":[{"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/posts\/9483","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/comments?post=9483"}],"version-history":[{"count":1,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/posts\/9483\/revisions"}],"predecessor-version":[{"id":9485,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/posts\/9483\/revisions\/9485"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/media\/9484"}],"wp:attachment":[{"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/media?parent=9483"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/categories?post=9483"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/tags?post=9483"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}