https://financewithraja.com/tags/home-buying/Recent content in Home Buying on Smart Personal Finance | Expert Tips, Reviews & StrategiesHugo -- gohugo.ioen© 2026 Smart Personal Finance. All rights reserved.Wed, 23 Sep 2026 00:00:00 +0000https://financewithraja.com/posts/1-percent-mortgage-rate-drop-savings-2026/Wed, 23 Sep 2026 00:00:00 +0000https://financewithraja.com/posts/1-percent-mortgage-rate-drop-savings-2026/<h2 class="relative group">The 1% Question Every Homeowner Is Asking Right Now <div id="the-1-question-every-homeowner-is-asking-right-now" class="anchor"></div> <span class="absolute top-0 w-6 transition-opacity opacity-0 -start-6 not-prose group-hover:opacity-100 select-none"> <a class="group-hover:text-primary-300 dark:group-hover:text-neutral-700 !no-underline" href="#the-1-question-every-homeowner-is-asking-right-now" aria-label="Anchor">#</a> </span> </h2> <p>Mortgage rates just touched their highest level since January 2025 the 30-year fixed averaged <strong>6.95%</strong> as of September 17, four weeks in a row of increases, and a lot of that is tied straight back to the Fed&rsquo;s rate hike earlier this month. So it&rsquo;s no surprise people keep asking some version of the same thing: <em>if rates dropped even one point, how much would that actually put back in my pocket?</em></p>