Donaldo Pactol-ChicagolandPinoyrealtor.

10/14/2026

😂😂😂

10/13/2026

Your biggest competition next year isn't another buyer. It's the seller who decided not to list.

Rates are at 7.40%, and everyone wants to know if 8% is next.
It could happen. But a jump that size in three months has shown up in only about 4% of stretches since 1972.

The part getting less attention is who stops selling.
Owners under 4% were already staying put.

Economists now expect people at 5% and 6% to feel locked in too.
Fewer of them listing means fewer homes for you to pick from.

A higher rate is a cost you can plan for.

Roughly $60 more a month on the next step up is real money, but it's a number.

A missing listing isn't a number. It's just gone.

If the right house listed tomorrow, would you be ready to write an offer, or still waiting to see where rates land?

10/13/2026

Steps in the house buying process.

10/10/2026

10/09/2026

A $400,000 mortgage at today's 7.59%.

Total interest over 30 years: $615,758.

You pay $1,015,758 for a $400,000 house.

At 3% the interest was $207,110.

So the rate change alone costs you $408,648, which is more than the house

10/08/2026

Total mortgage application volume decreased 4.2% in a single week as the average 30-year fixed-rate mortgage surged to 7.49% amid a global bond selloff.

10/05/2026

This is true.

10/03/2026

Instant Reaction: Jobs, October 2, 2026
"Mortgage rates could see slight relief after brutal rises over the past month...The latest job report shows 29,000 net new jobs in September, indicating the economy is not nearing a recession but also not overheating."

09/27/2026

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