{"id":17,"date":"2026-10-05T17:00:00","date_gmt":"2026-10-05T17:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/pamlovett-com\/2026\/10\/05\/us-mortgage-costs-hit-14-month-high\/"},"modified":"2026-10-05T17:00:00","modified_gmt":"2026-10-05T17:00:00","slug":"us-mortgage-costs-hit-14-month-high","status":"publish","type":"post","link":"https:\/\/www.pamlovett.com\/blog\/2026\/10\/05\/us-mortgage-costs-hit-14-month-high\/","title":{"rendered":"US Mortgage Costs Hit 14-Month 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\/pam-arthur-lovett\/mortgage-costs-high-remotion-videos-de5b\" 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 costs have reached a 14-month high by late Q3, with the typical US buyer now looking at a monthly payment of $2,600. Median sale prices are holding steady\u2014up about 2% year over year to roughly $399,000\u2014which is putting extra pressure on affordability. Pending sales have stayed flat month-over-month and are lower compared to last year, and mortgage-purchase applications recently dipped just a bit. Even with the holidays slowing things down, new listings were still a touch higher than the same period last year.<\/p>\n<p>I\u2019ve seen firsthand how the right pricing strategy makes all the difference: about 21% of active listings have cut prices, and sharper pricing is drawing in buyers, while overpricing tends to create hesitation. Inventory is showing a little improvement too, with active supply up about 2% year over year to 1.5 million homes nationwide and nearly four months\u2019 worth of inventory\u2014though we\u2019re still not quite at a balanced market.<\/p>\n<p>If you\u2019re wondering how these trends might shape your home search or sale, know that every market, including ours here in Hinesville, has its own rhythms. After 26 years helping folks navigate these shifts, I\u2019ve learned that being flexible and informed is key to finding the right fit\u2014even when the numbers feel challenging.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Mortgage costs have reached a 14-month high by late Q3, with the typical US buyer now looking at a monthly payment of $2,600. Median sale prices are holding steady\u2014up about 2% year over year to roughly $399,000\u2014which is putting extra pressure on affordability. Pending sales have stayed flat month-over-month and are lower compared to last [&hellip;]<\/p>\n","protected":false},"author":562,"featured_media":18,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-17","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.pamlovett.com\/blog\/wp-json\/wp\/v2\/posts\/17","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.pamlovett.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.pamlovett.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.pamlovett.com\/blog\/wp-json\/wp\/v2\/users\/562"}],"replies":[{"embeddable":true,"href":"https:\/\/www.pamlovett.com\/blog\/wp-json\/wp\/v2\/comments?post=17"}],"version-history":[{"count":0,"href":"https:\/\/www.pamlovett.com\/blog\/wp-json\/wp\/v2\/posts\/17\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.pamlovett.com\/blog\/wp-json\/wp\/v2\/media\/18"}],"wp:attachment":[{"href":"https:\/\/www.pamlovett.com\/blog\/wp-json\/wp\/v2\/media?parent=17"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.pamlovett.com\/blog\/wp-json\/wp\/v2\/categories?post=17"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.pamlovett.com\/blog\/wp-json\/wp\/v2\/tags?post=17"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}