Sunrise Homes & Renovations, Inc.

What’s Ahead For Mortgage Rates This Week – September 21st, 2026

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Expectations that the Federal Reserve would raise rates to combat significant inflation have come to pass, with a modest 0.25% increase in the rate. The Federal Reserve has stated that it remains committed to restoring inflation to its 2.0% target, which will likely include further rate increases in the future. The rest of the week featured a light economic calendar with very few impactful releases, leaving the Federal Reserve’s rate decision as the primary driver of market activity.

FOMC Rate Decision
At its September 15–16, 2026 FOMC meeting, the Federal Reserve raised the federal funds target range by 25 basis points, from 3.50%–3.75% to 3.75%–4.00%. This was the Fed’s first rate increase since July 2023.

Primary Mortgage Market Survey Index

  • 15-Year FRM rates saw an increase of 0.17%, bringing the current rate to 6.26%.
  • 30-Year FRM rates saw an increase of 0.19%, bringing the current rate to 6.95%.

MND Rate Index

  • 30-Year FHA rates saw an increase of 0.13%, with current rate at 6.81%.
  • 30-Year VA rates saw an increase of 0.12%, with current rate at 6.82%.

Jobless Claims
Initial Claims were reported to be 198,000 compared to the expected claims of 208,000. The previous week landed at 206,000.

What’s Ahead
Another light week lies ahead. The notable reports will be the Federal Reserve’s balance sheet and M2 Money Supply data releases. These reports can provide valuable insight into changes in liquidity and the broader money supply, both of which can influence inflation and overall economic conditions.

The Five-Minute Test: What Happens When You Sit Quietly Inside a Home?

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Most home showings involve constant movement. Buyers walk from room to room, open closets, discuss features, ask questions, and imagine where their furniture might go. With all that activity, it is easy to miss something surprisingly important: what the home sounds like. Before leaving a serious contender, try spending five minutes doing absolutely nothing.

Stop Talking and Start Listening
Choose a room where you expect to spend significant time, such as the living room or primary bedroom. Put away the phone, stop discussing the house, and simply listen.

You may suddenly notice road noise that disappeared beneath the conversation. Perhaps you can hear airplanes, a nearby school, barking dogs, music, or activity from an adjoining property.
Sound that seems insignificant during a short showing can feel very different when you experience it every day.

Listen to the House Itself
Not every sound comes from outside. HVAC systems, ceiling fans, plumbing, appliances, garage doors, and other mechanical components can create noticeable noise. In a multi-story home, have one person walk upstairs while another remains downstairs.

In a condo or townhome, listen for sounds coming through shared walls, ceilings, hallways, or common areas. The goal is not to find a perfectly silent home. It is to understand its normal sound environment.

Try the Test in More Than One Room
Noise can vary dramatically throughout a property. A front bedroom may pick up considerably more street noise than a bedroom at the rear. A room next to an HVAC unit may sound different when the system is operating. A backyard that looks peaceful might be close enough to a major road to hear steady traffic.

If quiet is particularly important to you, repeat the test in the rooms where it matters most.

Remember That Five Minutes Is Only a Snapshot
A short listening test cannot tell you everything. Traffic patterns, neighbors, aircraft, construction, and other sounds change throughout the day. If you notice something concerning, consider returning at another time rather than assuming that one visit represents normal conditions.

Homebuyers spend plenty of time looking at houses, but living in one involves every sense. The countertops may catch your attention during the showing, but the sounds surrounding you will still be there long after you move in. Sometimes five quiet minutes can reveal something you would never notice while walking and talking.

Why You Should Visit a Home When the Neighbors Are Home

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A home showing at 11 a.m. on a Wednesday can give you an excellent look at the property. It may not give you an accurate picture of the neighborhood. Many residents are at work, children are at school, vehicles are gone, and the street may be unusually quiet. Before buying, consider visiting again when the neighbors are actually home.

Come Back After Work
A neighborhood can change considerably between afternoon and evening. When residents return from work, you may discover that street parking fills quickly or that several neighboring households have multiple vehicles. A street that seemed wide and open during your showing could feel considerably tighter at 6 p.m.

You may also get a better sense of commuter traffic and how easy it is to enter or leave the neighborhood during busier hours.

Listen to the Neighborhood
Evening visits can reveal sounds that simply were not present earlier. Dogs may be outside. Children may be playing. Neighbors may gather in yards or garages. Nearby restaurants, businesses, parks, or entertainment areas may become more active.

None of these things are necessarily negative. The question is whether the activity level matches the environment you want.

A buyer who loves an active neighborhood may find these things appealing. Someone looking for exceptional quiet may feel differently.

Weekends Can Tell Another Story
If possible, visit on a weekend too. Saturday morning might reveal landscaping activity, recreational vehicles, community events, garage projects, or heavy use of nearby parks. Weekend evenings could provide a much different picture of neighborhood activity.

If you are considering a condo or townhome, this can be particularly helpful because you may be living much closer to your neighbors.

Observe Without Making Assumptions
The goal is not to evaluate individual neighbors based on one brief visit. Every household occasionally has parties, visitors, barking dogs, or extra cars.

Instead, look at the broader environment. Does the neighborhood function the way you expected? Is parking generally manageable? Is the level of activity comfortable for you? You are purchasing the home, but you will experience everything around it every day.

Before making a final decision, visit at different times and on different days. The house will probably look much the same. The neighborhood might not, and discovering that difference before you buy can be extremely valuable.

What the Trash Cans Can Tell You About a Neighborhood Before You Buy

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When evaluating a neighborhood, buyers often drive through looking at homes, yards, traffic, and nearby amenities. There is another surprisingly useful time to visit: trash collection day. It may not sound glamorous, but garbage and recycling day can reveal details about how a neighborhood functions that are easy to miss during a scheduled showing.

Look at What Happens at the Curb
Pay attention to how trash and recycling are handled throughout the neighborhood. Are containers neatly placed at the curb, or are sidewalks and streets difficult to navigate?

Overflowing containers, piles of discarded furniture, or trash regularly left outside designated areas do not automatically indicate a problem. However, patterns across multiple properties can provide insight into how residents maintain their surroundings.

It is less about judging individual households and more about observing the overall environment.

Watch What Happens to Parking
Collection day can also reveal how much space is actually available on the street. Trash cans occupying curb space may force vehicles into different locations and expose existing parking pressure. On streets already packed with vehicles, collection day can make congestion even more noticeable.

For buyers with multiple vehicles, frequent visitors, or limited driveway space, that can be useful information.

Notice How Properties Are Maintained
A collection-day drive can provide an unexpected glimpse into property upkeep. Large amounts of debris, recurring bulky-item piles, overflowing dumpsters, or neglected common collection areas may be worth noting.

In communities with shared trash facilities, buyers can also see whether those areas appear reasonably maintained and accessible.

One messy collection day should not define an entire neighborhood. Repeated conditions are more meaningful than a single observation.

Pay Attention After Collection Too
Consider returning later in the day or the following morning. Do containers disappear quickly, or do they remain scattered along sidewalks and streets for days?

You may also notice how early collection occurs and how much noise accompanies it. If the bedroom of the home you are considering sits near a community dumpster or collection point, that seemingly minor detail could matter every week.

Buying a home means buying into the rhythms of its surroundings. School traffic, deliveries, parking, landscaping crews, neighbors, and even trash collection become part of everyday life.

A neighborhood can look completely different depending on when you visit. Sometimes an ordinary trash day can tell you more about living there than a perfectly timed Saturday afternoon showing ever could.

What’s Ahead For Mortgage Rates This Week – September 14th, 2026

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While CPI data has come in within expectations for current inflation, inflation remains much higher than in previous years. The rate is holding steady at 2.4%, which is above the Federal Reserve’s 2.0% target. 

There are sectors where cost has seen significant increase and has not been reflected in the CPI due to the more recent changes implemented by the Trump administration. Fuel costs, for example, have seen an upward year-over-year trend that has been exacerbated by the recent war in Iran.

The Fed Beige Book and balance sheet have also shown steady growth and an upward trend as of late. Despite inflation data running counter to this idea, there are still widespread expectations that rates will be cut again.

Consumer Price Index
Consumer prices increased 0.4% in August, while core CPI rose 0.3%. Annual inflation remained at 3.4%, with core inflation easing to 2.4%. While underlying inflation continues to move closer to the Federal Reserve’s 2% target, the monthly increase suggests that inflationary pressures remain persistent.

Producer Price Index
Producer prices increased 0.4% in August, while prices for goods rose 1.1% and services increased 0.1%. Producer prices were up 5.4% from a year ago, indicating continued wholesale inflation pressure. Core PPI, excluding food and energy, increased 0.2% for the month and 4.6% year over year. The stronger headline reading could make the Federal Reserve more cautious about future rate cuts, potentially putting upward pressure on mortgage rates. 

Primary Mortgage Market Survey Index

  • 15-Year FRM rates saw an increase of 0.05%, bringing the current rate to 6.09%.
  • 30-Year FRM rates saw an increase of 0.05%, bringing the current rate to 6.76%.

MND Rate Index

  • 30-Year FHA rates saw an increase of 0.24%, with current rate at 6.68%.
  • 30-Year VA rates saw an increase of 0.24%, with current rate at 6.70%.

Jobless Claims
Initial Claims were reported to be 206,000 compared to the expected claims of 200,000. The previous week landed at 209,000.

What’s Ahead
FOMC is holding an economics projection meeting which should provide forward guidance on policy. Additionally, the Federal Reserve Interest Rate decision happening mid-week, making for a very light week.

Why the Direction a Home Faces Can Matter More Than You Think

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The direction a home faces may not be near the top of your house-hunting checklist, but orientation can influence much more than the view from the front door. Sunlight, indoor temperatures, outdoor spaces, landscaping, and even how certain rooms feel throughout the day can all be affected by the home’s position.

Paying attention to orientation during your search can help you find a property that better fits your preferences.

Notice Where the Natural Light Falls
Think about which rooms receive morning sunlight and which become brighter later in the day. A kitchen filled with morning light may appeal to one buyer, while another may prefer afternoon sunlight in the living room. Touring at only one time of day may not reveal how the home’s lighting changes.

Consider Outdoor Living Areas
Orientation can significantly affect patios, decks, and backyards. A space that feels comfortable during a morning showing could receive intense direct sunlight later in the afternoon.

If outdoor living is important to you, consider when you are most likely to use the space and where the sun will be at that time.

Think About Indoor Comfort
Windows exposed to substantial direct sunlight can influence indoor temperatures. Window coverings, insulation, landscaping, roof overhangs, and energy-efficient windows can all help manage heat and light.

Rather than assuming one orientation is always better, evaluate how the individual home handles its exposure.

Look at the Landscaping
Sun exposure affects which plants thrive around a property. Areas receiving prolonged sunlight may require different landscaping and watering than shaded portions of the yard.
Existing mature trees may also dramatically change the amount of sunlight reaching the home.

Visit More Than Once
If you are seriously considering a property, seeing it at another time of day can provide valuable perspective. Notice how the rooms, backyard, driveway, and exterior feel under different lighting conditions.

There is no universally perfect direction for a home to face. The best orientation depends on the property, climate, surroundings, and your personal preferences. Paying attention to sunlight and orientation can reveal details that photographs and a single showing may never capture.