Video
March 27, 2026
Airs live on YouTube
March 27, 2026
Rates Are Climbing. Here’s How You Still Come Out Ahead.
Market Update
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Mortgage rates have been climbing again, largely driven by rising oil prices and global uncertainty.
When oil prices go up, inflation concerns tend to follow. And when inflation concerns rise, mortgage rates usually move higher as well. That’s what we’ve seen over the past few weeks.
Markets tend to react quickly in times like this. Rates often move up fast, then take more time to come back down as the market waits for stability. Before this recent shift, the economy was actually moving in a direction that supports lower rates. That hasn’t changed long term, it’s just been interrupted.
There’s also something important happening behind the scenes. Higher gas prices can slow spending in other areas, which can eventually help bring inflation down over time.
In the short term, though, uncertainty causes many buyers to pause. And when buyers pause, competition drops.
That’s where opportunity comes in.
When there’s less competition, you may have more room to negotiate and better chances of getting your offer accepted. In a market like this, how your deal is structured can make a real difference in your monthly payment and overall affordability.
You don’t have to wait for the market to change to move forward.
With the right approach, it’s possible to improve your position, reduce your payment, and create more flexibility even in a higher rate environment.
The key is being prepared.
Getting pre-approved and understanding your options puts you in a position to act when the right home becomes available.
Many buyers are waiting for perfect timing. But perfect rarely shows up.
The buyers who move forward during uncertain times often benefit from less competition and better opportunities.
If you’re thinking about buying, this may be one of those moments where being ready gives you a real advantage.
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The information contained is the viewpoint of the presenter(s). Individuals should consult their own financial representative.
Estimated Mortgage Payment is for exemplary purposes only. Contact a licensed loan officer for exact numbers and APR. Additional rates and terms may apply and are subject to change without notice. Loan scenario assumes a purchase price of Zillow's list price and a 10% down payment. Points and fees not included. Property tax, homeowners insurance, mortgage insurance, and HOA fees are approximate and may vary. Other fees may apply. Product displayed is a conventional 30-year fixed rate mortgage using the current average rate as shown on Mortgage News Daily (mortgagenewsdaily.com).
Estimated Qualifying Income assumes a homebuyer has a FICO score above 740, no other credit debt, and a debt-to-income (DTI) ratio of 43%.
For exact numbers and APR or to run a loan scenario based on your own credit and income, contact our office at (858) 259-8700.
Rate Source: Mortgage News Daily. Rates displayed are approximate, subject to change, and do not necessarily reflect rates available to you. MND’s methods involve an objective component based on lenders' raw prices as well as a subjective impression from their network of originators. For more information about how these rates are calculated, visit www.mortgagenewsdaily.com/mortgage-rates/about.
Mortgage News Daily (MND) is a trademark of Brown House Media, Inc. Zillow is a trademark of Zillow, Inc. CrossCountry Mortgage has not been authorized, sponsored, or otherwise approved by Brown House Media, Inc. or Zillow, Inc.
Equal Housing Opportunity. All loans subject to underwriting approval. Certain restrictions apply. Call (858) 259-8700 for details. All borrowers must meet minimum credit score, loan-to-value, debt-to-income, and other requirements to qualify for any mortgage program. CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the federal government. CrossCountry Mortgage, LLC is not affiliated with or acting on behalf of or at the direction of the Veteran Affairs Office or any government agency. Certificate of Eligibility required for VA loans. By refinancing, the existing loan total finance charges may be higher over the life of the loan.
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