10/02/2026
BUYERS: MORTGAGE RATES HAVE MOVED HIGHER - BUYERS, DON’T LET THAT STOP YOU
Mortgage rates have moved higher, but that doesn’t necessarily mean you should put your home search on hold.
Yes, a higher rate can affect your monthly payment and purchasing power. But the interest rate is only one part of the transaction.
In today’s Central Florida market, some homes are taking longer to sell, and that can create negotiating opportunities for buyers.
Depending on the property, seller, and financing, you may be able to negotiate:
• Seller-paid closing costs
• A lower purchase price
• Seller concessions that may be applied toward an interest-rate buydown, subject to lender and loan-program requirements
So instead of asking only, “What’s the interest rate?” look at the entire deal.
What’s the purchase price? What concessions are available? What will your estimated monthly payment be? And most importantly, does the home make financial sense for you?
Higher rates don’t automatically mean it’s a bad time to buy. It means the numbers and terms matter even more.
Thinking about buying in Central Florida? Let’s talk about your options.
Danny Dhannu (Broker)
Sr. International Real Estate Advisor
Elite Investors Realty | Luxury Real Estate
407-557-7113
[email protected]
www.eliteinvestorsrealty.com
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Disclaimer: General real estate information only. Mortgage rates, loan terms, eligibility, concessions, and payments vary by borrower, property, lender, and loan program. Consult a licensed mortgage professional regarding financing.