{"id":14000,"date":"2026-01-30T09:31:50","date_gmt":"2026-01-30T09:31:50","guid":{"rendered":"https:\/\/diyhaven858.wasmer.app\/index.php\/how-are-mortgage-rates-determined-the-fed-your-credit-score-and-more\/"},"modified":"2026-01-30T09:31:50","modified_gmt":"2026-01-30T09:31:50","slug":"how-are-mortgage-rates-determined-the-fed-your-credit-score-and-more","status":"publish","type":"post","link":"https:\/\/diyhaven858.wasmer.app\/index.php\/how-are-mortgage-rates-determined-the-fed-your-credit-score-and-more\/","title":{"rendered":"How are mortgage rates determined? The Fed, your credit score, and more."},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->Many factors impact the cost of owning a home, such as your mortgage principal, property tax bill, homeowners insurance premium, and \u2014 this is a big one \u2014 your mortgage interest rate. When you understand how your mortgage rate is determined, you can better prepare yourself to buy or refinance a home.<!-- HTML_TAG_END --><\/p>\n<p> <iframe loading=\"lazy\" title=\"CDS Widget\" src=\"https:\/\/templates.cds.yahoo.com\/remote\/widget?campaignId=4ec2331a-fbb0-4230-81e2-d38f75a95135&amp;lineItemId=58b163d6-ba90-4126-bd53-495e20aa96b0&amp;contentId=aec7a186-a2a4-4564-a023-21eb8325a204&amp;viewId=r326agnRauL8nLAaSa_cwA&amp;providerId=yahoo_personal_finance_397&amp;site=finance&amp;spaceId=1183300100&amp;commerceSiteId=us-finance-pnr\" scrolling=\"no\" height=\"480\" data-testid=\"iframe-with-resizer\" class=\"yf-16wd5dt\"><\/iframe> <\/p>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->Your mortgage interest rate is the price your mortgage lender charges to issue your home loan.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->\u201cMortgage interest rates are really important for home buyers because they directly affect how much you pay each month,\u201d said Jeanine Thomas, founder and president of Sarasota Mortgage Group LLC via email. \u201cWhen rates are lower, your monthly payment is less, which makes buying a home more affordable for you.\u201d<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->Suppose you buy a $500,000 house, put $100,000 down, and finance the remaining $400,000 with a 30-year fixed-rate mortgage. Here\u2019s what your monthly mortgage payment would look like at five different interest rates:<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START --><strong>Please note:<\/strong> The above figures only represent mortgage principal and interest payments and don\u2019t include property taxes, homeowners insurance premiums, or other related costs.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->As you can see, your rate significantly impacts your monthly housing bill. Plus, if you keep your mortgage for the entire term, a higher rate can cost you tens or hundreds of thousands of dollars more over the life of the loan.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->Mortgage interest rates are constantly in flux and can change multiple times daily. Here\u2019s a snapshot of the last several years, including the 30-year mortgage interest rate Freddie Mac listed for the beginning of each month:<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->While today\u2019s rate is significantly higher than the all-time lows during the peak of the COVID-19 pandemic in 2020 and 2021 \u2014 and rates may never drop to the 3% range again \u2014 it\u2019s nowhere near the historic peak of 18.63%, which impacted borrowers in October 1981.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->Rates have obviously decreased since then, and government-sponsored enterprise Fannie Mae predicts mortgage rates will hit 6% starting in Q2 2026. Most home buyers should expect to pay 6% or a little higher through 2026.<!-- HTML_TAG_END --><\/p>\n<section class=\"up-next-container tw-block md:tw-hidden yf-1tgly48\">\n<header class=\"small  mb-4 yf-1kayatz font-condensed\"> <\/header>\n<\/section>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->Several external factors influence mortgage rates. You can\u2019t control these components, but understanding them can help you understand why rates are trending a certain way and know how they could change. Let\u2019s take a look at some of the major issues that affect mortgage rates.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->\u201cWhen the federal funds rate \u2014 what banks charge each other for overnight loans \u2014 goes up, mortgage interest rates generally follow suit,\u201d said Thomas. \u201cThis pattern holds true for [benchmark interest rates like] the Secured Overnight Financing Rate and the Constant Maturity Treasury rate as well.\u201d<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->Although the federal funds rate doesn\u2019t directly impact mortgage rates, the two are correlated. If the Federal Reserve cuts the federal funds rate (or even if investors expect the Fed to slash the rate soon), you can expect mortgage rates to drop too.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->The Fed cut the federal funds rate three times in late 2024. Initially, many were surprised when mortgage rates didn&#8217;t drop in reaction to the Fed rate cuts. However, there are several reasons why rates held stagnant and even increased as the Fed lowered its rate.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->First, the anticipation of a lower Fed rate was already baked into mortgage interest rates, especially before the September meeting.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->Second, mortgage rates also responded to commentary about what the fed funds rate would do in the future. For example, it became clear that the Fed wouldn\u2019t cut the rate at its first several 2025 meetings, so home loan rates stayed high.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->Third, as previously mentioned, the Fed is only one factor that impacts mortgage rates. There are others that affect interest rates more directly.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->The Fed didn\u2019t lower its rate at its first meeting of 2026, nor did economists expect it to. Mortgage rates made some movements before the meeting, though, because many factors determine mortgage rates, not just the Fed.<!-- HTML_TAG_END --><\/p>\n<h3 class=\"header-scroll yf-1u6g9f6\" id=\"demand-for-mortgage-backed-securities\"><!-- HTML_TAG_START -->Demand for mortgage-backed securities<!-- HTML_TAG_END --><\/h3>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->A mortgage-backed security is an investment vehicle that pays investors a portion of the principal and interest payments made by the mortgage holders in a collection of home loans. A government or private entity purchases home loans from mortgage originators. Then, that entity issues securities, or the rights to the principal and interest payments, to investors. Most mortgage-backed securities are issued by Fannie Mae and Freddie Mac, which are two U.S. government-sponsored enterprises (GSEs).<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->\u201cInvestors who buy MBS are the ones who \u2018set\u2019 rates by bidding on the bonds issued by Fannie [Mae], Freddie [Mac], or Wall Street investment funds,\u201d said mortgage adviser Casey Fleming. \u201cThey know what yield they want for this type of investment, so they take the anticipated income stream and discount it by that rate to a present value. That&#8217;s what they bid for a specific issue of bonds. The seller obviously takes the highest bid, so the cost of using that money (the interest rate) is now set.\u201d<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->\u201cWhen demand for MBS rises, their yields decrease, which in turn lowers mortgage rates. Conversely, a decrease in MBS demand causes yields to increase, leading to higher mortgage rates,\u201d Thomas added.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->The 10-year Treasury measures long-term interest rates. You can buy 10-year Treasury notes, bonds, and bills, which are all types of safe investments, just for different term lengths.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->But the 10-year Treasury yield is also a good indicator of how rates on longer-term loans \u2014 like mortgages \u2014 are moving. If the 10-year Treasury yield goes down, mortgage interest rates tend to decrease too. By looking at 10-year Treasury yield predictions, you can get a decent idea of what mortgage rates could do over the next five years.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->At its core, inflation results in increased prices and decreased purchasing power. Lenders feel the financial pinch like individual consumers do, increasing interest rates to offset the loss. Conversely, lenders will usually keep interest rates low when inflation is low because the institution\u2019s money stretches further.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->\u201cInflation, inflation, and inflation are all that really matter to long-term rates,\u201d said Fleming. \u201cFed movement often correlates with inflation since they raise short-term rates to slow the economy to cool inflation.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->\u201c[However], it all comes down to what institutional investors think inflation will be for the duration of the time that their money will be out. They have to earn more than inflation, or else they are losing money. So, in a real sense, future inflation sets mortgage interest rates.\u201d<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->It makes sense that the economy at large plays a role in determining mortgage rates. Inflation, employment \u2014 these are all individual parts of the economy that affect rates.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->\u201cThe economy affects mortgage rates a lot. When more people have jobs and make more money, they feel better about buying homes, which can push up mortgage rates because more people want loans. But in a weak economy where few people have jobs and wages stay the same, fewer people want mortgages, so rates can go down,\u201d said Thomas.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->Basically, a weak economy generally leads to lower rates (think of the height of the COVID-19 pandemic, when rates fell to all-time lows), and a strong economy results in higher rates.<!-- HTML_TAG_END --><\/p>\n<h3 class=\"header-scroll yf-1u6g9f6\" id=\"government-rules-and-programs\"><!-- HTML_TAG_START -->Government rules and programs<!-- HTML_TAG_END --><\/h3>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->Government assistance can also impact mortgage rates. \u201cPrograms that help people buy homes, like tax breaks or affordable housing loan programs, can make more people want mortgages, which might raise rates,\u201d Thomas said.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->She also explained that new government plans and laws might help keep rates low if they provide money for home loans. On the other hand, they can increase mortgage rates if they encourage more people to buy houses and drive up demand.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->The American economy and news cycle aren\u2019t the only things that impact mortgage rates \u2014 rates can be affected by global events too.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->\u201cIf other countries have problems with their economies, investors might put money into safe things like the U.S. Treasury bonds, which can lower mortgage rates here,\u201d said Thomas. \u201cBut when global markets are steady, rates might go up because more investors are interested in bonds and mortgages.\u201d She points out that elections or tensions between other nations might make investors choose to put their money in low-risk assets, like U.S. bonds, which can lead to lower rates.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->Fleming once again pointed to the power of inflation. \u201cThe pandemic created huge supply chain issues, which created a shortage of goods. Then, government stimulus programs threw billions of dollars at Americans. Fewer goods to purchase and more money to buy them created low supply and high demand, and so an inflationary spiral, pushing up interest rates,\u201d he said.<!-- HTML_TAG_END --><\/p>\n<figure data-testid=\"article-figure-image\" class=\"yf-1ems0tc\">\n<div class=\"image-container yf-lglytj loader\" style=\"--max-height: 247px;\">\n<div class=\"image-wrapper yf-lglytj\" style=\"--aspect-ratio: 960 \/ 247; --img-max-width: 960px;\"><img fetchpriority=\"high\" decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/ywAAAAAAQABAAACAUwAOw==\" alt=\"\" loading=\"eager\" height=\"247\" width=\"960\" class=\"yf-lglytj loader\"\/><\/div>\n<\/div>\n<\/figure>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->External forces converge to set mortgage baseline rates. However, your loan details, financial standing, and new property information refine that baseline, resulting in a custom borrowing cost. These are factors you do have some control over. We\u2019ll examine those elements more closely.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->Your mortgage itself has a significant impact on your interest rate. Here\u2019s how each characteristic contributes to it:<!-- HTML_TAG_END --><\/p>\n<ul class=\"yf-h8k6hx\">\n<li class=\"yf-h8k6hx\">\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START --><strong>Term length: <\/strong>A shorter-term mortgage usually has a lower interest rate \u2014 for example, you\u2019ll get a lower rate with a 15-year term than a 30-year one.<!-- HTML_TAG_END --><\/p>\n<\/li>\n<li class=\"yf-h8k6hx\">\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START --><strong>Type of mortgage<\/strong><strong>:<\/strong> An FHA loan generally has a lower interest rate than a conventional mortgage. However, it often comes with higher mortgage insurance costs that are difficult to cancel. It\u2019s crucial to weigh all the costs \u2014 not just the interest rate \u2014 when shopping for a mortgage.<!-- HTML_TAG_END --><\/p>\n<\/li>\n<li class=\"yf-h8k6hx\">\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START --><strong>Loan amount:<\/strong> A larger loan might have a higher interest rate because the lender takes on greater risk.<!-- HTML_TAG_END --><\/p>\n<\/li>\n<li class=\"yf-h8k6hx\">\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->Down payment: A higher down payment will likely result in a lower interest rate because the lender assumes less risk.<!-- HTML_TAG_END --><\/p>\n<\/li>\n<li class=\"yf-h8k6hx\">\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START --><strong>Fixed vs. adjustable rate<\/strong><strong>:<\/strong> In the past, adjustable rates started lower than fixed rates. However, fixed-rate mortgages have been the better deal lately. Ask prospective lenders to see both offerings.<!-- HTML_TAG_END --><\/p>\n<\/li>\n<li class=\"yf-h8k6hx\">\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START --><strong>Closing costs<\/strong><strong>:<\/strong> Rolling your closing costs into your mortgage (rather than paying them in a lump sum on closing day) may result in a higher interest rate because you\u2019re borrowing more money and putting less financial skin in the game up front.<!-- HTML_TAG_END --><\/p>\n<\/li>\n<\/ul>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->Thomas also pointed out that you can buy mortgage discount points to lower your rate. Typically, a discount point costs 1% of your loan and lowers your mortgage rate by 0.25%. So, if you have a $300,000 mortgage with a 7% rate and buy one discount point, you\u2019d pay an extra $3,000 at closing and have a 6.75% rate.<!-- HTML_TAG_END --><\/p>\n<h3 class=\"header-scroll yf-1u6g9f6\" id=\"your-financial-standing\"><!-- HTML_TAG_START -->Your financial standing<!-- HTML_TAG_END --><\/h3>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->Thomas noted that a higher credit score can help you get a lower interest rate \u201c&#8230; because it shows lenders you&#8217;ve managed debt responsibly in the past.\u201d In addition, a lower debt-to-income ratio (DTI) \u2014 a measure of how much you earn in relation to how much you owe monthly, expressed as a percentage \u2014 may yield a lower interest rate because less debt suggests you\u2019re able to afford mortgage payments and are a lower-risk borrower.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->\u201cThe type of property you&#8217;re buying also matters,\u201d said Thomas. \u201cSingle-family homes usually have lower rates than condominiums, and primary residences generally get lower rates compared to second homes and investment properties.\u201d<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->Plus, your property\u2019s location can impact your interest rate. Your lender may offer different loan rates depending on your state and even your county.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->Mortgage lenders start with the baseline, consider the individual borrower\u2019s situation, and then may further adjust the rate based on the financial institution\u2019s circumstances. For instance, \u201c&#8230; larger banks typically face higher operational costs, while smaller lenders may have lower expenses, allowing them to offer lower rates to borrowers. [In addition], during periods of high demand, banks may raise rates to handle [the] increased workload efficiently,\u201d said Thomas.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->\u201cThe rates offered to borrowers can vary significantly between lenders due to variations in the profit margins they incorporate into their rates, creating interest rate differences by several percentage points,\u201d Thomas continued. \u201cMortgage brokers often shop around among lenders to secure competitive rates through wholesale lending.\u201d<!-- HTML_TAG_END --><\/p>\n<p> <iframe loading=\"lazy\" title=\"CDS Widget\" src=\"https:\/\/templates.cds.yahoo.com\/remote\/widget?campaignId=4ec2331a-fbb0-4230-81e2-d38f75a95135&amp;lineItemId=58b163d6-ba90-4126-bd53-495e20aa96b0&amp;contentId=aec7a186-a2a4-4564-a023-21eb8325a204&amp;viewId=r326agnRauL8nLAaSa_cwA&amp;providerId=yahoo_personal_finance_397&amp;site=finance&amp;spaceId=1183300100&amp;commerceSiteId=us-finance-pnr\" scrolling=\"no\" height=\"480\" data-testid=\"iframe-with-resizer\" class=\"yf-16wd5dt\"><\/iframe> <\/p>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->No matter what\u2019s happening in the housing market, there are steps you can take to get the best possible mortgage interest rate. \u201cFocus on improving your credit score by reducing debts and paying bills on time. Saving for a larger down payment can also enhance your eligibility,\u201d said Thomas.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->Fleming said the best thing you can do is shop around. But he points out that you should get quotes from multiple mortgage lenders on the same day if possible because rates change daily.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->Mortgage rates aren\u2019t the only costs that matter, though. You should also look at mortgage lenders\u2019 fees when comparing companies.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->\u201cConsider the overall cost associated with the advertised interest rate, including origination fees, application fees, and discount points,\u201d said Thomas. \u201cFor example, a lower advertised rate may not be the best option if the origination fees are higher, especially if the borrower plans to stay in the property for only a few years. Conversely, if the borrower intends to make this a long-term residence, the lower rate and higher fees may better serve them.\u201d<!-- HTML_TAG_END --><\/p>\n<h3 class=\"header-scroll yf-1u6g9f6\" id=\"are-mortgage-rates-and-refinance-rates-the-same\"><!-- HTML_TAG_START -->Are mortgage rates and refinance rates the same?<!-- HTML_TAG_END --><\/h3>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->Currently, 30-year mortgage rates and refinance rates are roughly the same. However, there will be some variation from lender to lender, and refinance rates are sometimes slightly higher.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->Locking in your mortgage interest rate guarantees it won\u2019t change before you close on your house. \u201cOn purchase loans these days, a borrower should lock the rate as soon as they go into escrow because the market is so volatile, and if rates jump, they may no longer qualify. On refinance loans, a borrower can be a bit more strategic and try to play the market or wait for a short lock,\u201d said Fleming.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->You can change your mortgage rate during the home-buying process by paying for mortgage discount points. For every 1% of your loan (one point) you pay up-front, your lender will reduce your interest rate by a certain amount. After you close on your original home loan, you may be able to lower your interest rate by refinancing the debt. Your rate will also change periodically if you have an adjustable-rate mortgage (ARM) rather than a fixed-rate one.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START --><em>Laura Grace Tarpley<\/em><em> edited this article.<\/em><!-- HTML_TAG_END --><\/p>\n<\/p><\/div>\n<p><br \/>\n<br \/><a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Many factors impact the cost of owning a home, such as your mortgage principal, property tax bill, homeowners insurance premium, and \u2014 this is a big one \u2014 your mortgage interest rate. When you understand how your mortgage rate is determined, you can better prepare yourself to buy or refinance a home. Your mortgage interest [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":14001,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_daextam_enable_autolinks":"","jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[10],"tags":[57,16,1783,1186,63,37,487,1784,40,20],"class_list":["post-14000","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business-news","tag-federal-funds-rate","tag-interest-rate","tag-jeanine-thomas","tag-monthly-mortgage-payment","tag-mortgage-insurance","tag-mortgage-lender","tag-mortgage-payments","tag-mortgage-principal","tag-mortgage-rate","tag-mortgage-rates"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/diyhaven858.wasmer.app\/wp-content\/uploads\/2026\/01\/0554ffc0-4ab4-11ef-b6ff-49250094240a.jpeg","jetpack_sharing_enabled":true,"jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/posts\/14000","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/comments?post=14000"}],"version-history":[{"count":0,"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/posts\/14000\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/media\/14001"}],"wp:attachment":[{"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/media?parent=14000"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/categories?post=14000"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/tags?post=14000"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}