¿El negocio del siglo?

Recientemente, Freddie Mac publicó una entrada en su blog titulado Las tasas hipotecarias: todavía el negocio del siglo. Ellos explicaron que, si usted está planeando en comprar una casa, ahora tal vez sea el momento:

“Si usted está en el mercado para comprar una casa, el promedio de las tasas hipotecarias hoy es algo que celebrar comparado casi con cualquier año desde 1971”

And they let their readers know that there is no guarantee that rates will remain this low:

“Over the past few years, we’ve enjoyed a long run of historically low mortgage rates. While no one expects them to change dramatically overnight, they are expected to head up. Most experts agree that mortgage rates will drift up in the coming months to end the year approaching 4.50%… Buying a home is a big investment – perhaps the biggest one you’ll make in your life. So, it’s important to be sure you are ready to make that purchase. If you are ready, today’s rates are not to be missed.”

The article went on to calculate what the principal and interest payment would be based on a $200,000 fully amortizing mortgage at different times in history.

Here is a look at rates over the decades:

Here is a look at rates over the last four years and what Freddie Mac projects for next year:

Bottom Line

If you are thinking of buying your first home or looking to move up to your dream home, now may be the time to do it.

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