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Mortgage rates just hit 7.45% — a two-year high — and the math on buying has changed fast. On a $400k loan, the difference between 7.45% and the old 6.5% era is hundreds of dollars a month. But higher rates also bring negotiating power, seller buydowns, and less competition.
We put together an 8-move survival checklist for buyers — same-day quotes, rate locks, buydowns, points math, and what NOT to do: https://bullounge.com/mortgage-rates-745-buyer-survival-guide-2026/
Buyers: are you still shopping at these rates, or sitting out? What’s your walk-away number?
Not financial advice.
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