{"id":13,"date":"2026-09-19T12:00:00","date_gmt":"2026-09-19T12:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/radlamthaithemortgageguy-com\/2026\/09\/19\/rates-rose-0-25-should-you-refinance\/"},"modified":"2026-09-19T12:00:00","modified_gmt":"2026-09-19T12:00:00","slug":"rates-rose-0-25-should-you-refinance","status":"publish","type":"post","link":"https:\/\/www.radlamthaithemortgageguy.com\/blog\/2026\/09\/19\/rates-rose-0-25-should-you-refinance\/","title":{"rendered":"Rates Rose 0.25%: Should You Refinance?"},"content":{"rendered":"<div class=\"roomvu-news-container\">\n<p>After the Federal Reserve raised its benchmark rate by 0.25% and signaled another possible hike before year-end, homeowners should review their financing strategy carefully. If your existing mortgage rate is in the 3%\u20134% range, a cash-out refinance may replace low-cost first-mortgage debt with a significantly higher rate. A HELOC or home equity loan may let you access equity while keeping your current mortgage intact. Borrowers with strong credit and a combined loan-to-value ratio of 70% or less may see rates around 7%\u20138%, though pricing varies by lender, qualifications, fees, and loan terms. Compare the total cost and monthly payment with a licensed mortgage professional before deciding.<\/p>\n<p>\t<a class=\"roomvu-news-continue\" href=\"\"><\/p>\n<div>Continue to full article<\/div>\n<p>\t<\/a><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>After the Federal Reserve raised its benchmark rate by 0.25% and signaled another possible hike before year-end, homeowners should review their financing strategy carefully. If your existing mortgage rate is in the 3%\u20134% range, a cash-out refinance may replace low-cost first-mortgage debt with a significantly higher rate. A HELOC or home equity loan may let [&hellip;]<\/p>\n","protected":false},"author":0,"featured_media":31,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-13","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/www.radlamthaithemortgageguy.com\/blog\/wp-json\/wp\/v2\/posts\/13","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.radlamthaithemortgageguy.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.radlamthaithemortgageguy.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"replies":[{"embeddable":true,"href":"https:\/\/www.radlamthaithemortgageguy.com\/blog\/wp-json\/wp\/v2\/comments?post=13"}],"version-history":[{"count":0,"href":"https:\/\/www.radlamthaithemortgageguy.com\/blog\/wp-json\/wp\/v2\/posts\/13\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.radlamthaithemortgageguy.com\/blog\/wp-json\/wp\/v2\/media\/31"}],"wp:attachment":[{"href":"https:\/\/www.radlamthaithemortgageguy.com\/blog\/wp-json\/wp\/v2\/media?parent=13"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.radlamthaithemortgageguy.com\/blog\/wp-json\/wp\/v2\/categories?post=13"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.radlamthaithemortgageguy.com\/blog\/wp-json\/wp\/v2\/tags?post=13"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}