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Showing posts with the label #mortgagerates

🏠 How Interest Rates Affect Buying Power More Than Home Prices Themselves

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  Introduction 🧠 When people talk about real estate affordability, the conversation almost always circles the same target. Home prices. They’re too high. They rose too fast. They haven’t come down enough. And while prices matter, they’re not the lever that most strongly determines whether someone can actually buy a home. Interest rates quietly hold that power. They don’t show up in listing photos. They don’t make headlines the same way price cuts do. But interest rates decide how much house a buyer can afford far more than the sticker price ever will. Two buyers looking at the same home can have completely different realities based on rates alone. This is why homes can feel unaffordable even when prices flatten, and why affordability can collapse without prices rising at all. Let’s break down how this works in real life, not theory. New Design 3 Bedroom Luuxury Expandable Folding Container House Prefab Foldable Mobile Luxury Steel Container Homes 💳 Buying Power Is About Monthly P...

🏠 Why Homes Still Feel Unaffordable Even When Prices Stop Rising

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  Introduction 💭🔑 On paper, it looks like relief should be here. Home prices flatten. Headlines soften. Some markets even show small dips. And yet, for millions of buyers, housing still feels painfully out of reach. The monthly numbers don’t pencil out. The confidence isn’t there. The stress hasn’t lifted. This disconnect leaves people confused and frustrated. If prices aren’t climbing anymore, why does buying a home still feel impossible? The answer lives beyond the listing price. Affordability is not a single number. It’s a system. And that system changed in ways that don’t reverse just because prices pause. Let’s unpack why homes can feel just as unaffordable, sometimes even more so, even when price growth slows down. 20FT 80ft Prefab Modular House Luxury Apple Cabin 2 Bedroom Expandable Capsule Tiny Home Mobile Prefabricated Villa House 💸 Monthly Payment Matters More Than Sticker Price Most buyers don’t buy homes with cash. They buy payments. A home that costs the sa...