{"id":99,"date":"2026-10-11T10:00:00","date_gmt":"2026-10-11T10:00:00","guid":{"rendered":"https:\/\/www.buyfelicialistings.com\/blog\/?p=99"},"modified":"2026-10-11T10:00:00","modified_gmt":"2026-10-11T10:00:00","slug":"high-mortgage-rates-lead-homeowners-to-tap-equity-over-refinancing","status":"publish","type":"post","link":"https:\/\/www.buyfelicialistings.com\/blog\/2026\/10\/11\/high-mortgage-rates-lead-homeowners-to-tap-equity-over-refinancing\/","title":{"rendered":"High mortgage rates lead homeowners to tap equity over refinancing"},"content":{"rendered":"<div class=\"roomvu-news-container\">\n<p>With mortgage rates climbing to 6.95%\u2014the highest we\u2019ve seen since May 2025 following the recent Fed rate hike\u2014many homeowners are rethinking their financial strategies. Instead of refinancing, applications for which have dropped by 9%, more are turning to home-equity products, now accounting for 76% of activity. Builder confidence has also hit its lowest point since 2025. In my work supporting clients through divorce, probate, and other significant transitions, I often see how these market shifts influence the choices families make to protect their equity and move forward with clarity. Staying informed is key, especially when navigating complex real estate matters across Central and North Jersey.<\/p>\n<p>\t<a class=\"roomvu-news-continue\" href=\"https:\/\/www.aol.com\/articles\/high-mortgage-rates-lead-homeowners-142818000.html\"><\/p>\n<div>Continue to full article<\/div>\n<p>\t<\/a><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>With mortgage rates climbing to 6.95%\u2014the highest we\u2019ve seen since May 2025 following the recent Fed rate hike\u2014many homeowners are rethinking their financial strategies. Instead of refinancing, applications for which have dropped by 9%, more are turning to home-equity products, now accounting for 76% of activity. Builder confidence has also hit its lowest point since [&hellip;]<\/p>\n","protected":false},"author":72,"featured_media":100,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-99","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.buyfelicialistings.com\/blog\/wp-json\/wp\/v2\/posts\/99","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.buyfelicialistings.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.buyfelicialistings.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.buyfelicialistings.com\/blog\/wp-json\/wp\/v2\/users\/72"}],"replies":[{"embeddable":true,"href":"https:\/\/www.buyfelicialistings.com\/blog\/wp-json\/wp\/v2\/comments?post=99"}],"version-history":[{"count":1,"href":"https:\/\/www.buyfelicialistings.com\/blog\/wp-json\/wp\/v2\/posts\/99\/revisions"}],"predecessor-version":[{"id":103,"href":"https:\/\/www.buyfelicialistings.com\/blog\/wp-json\/wp\/v2\/posts\/99\/revisions\/103"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.buyfelicialistings.com\/blog\/wp-json\/wp\/v2\/media\/100"}],"wp:attachment":[{"href":"https:\/\/www.buyfelicialistings.com\/blog\/wp-json\/wp\/v2\/media?parent=99"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.buyfelicialistings.com\/blog\/wp-json\/wp\/v2\/categories?post=99"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.buyfelicialistings.com\/blog\/wp-json\/wp\/v2\/tags?post=99"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}