{"id":799,"date":"2026-03-31T20:56:30","date_gmt":"2026-03-31T20:56:30","guid":{"rendered":"https:\/\/thechumba.com\/?p=799"},"modified":"2026-03-31T20:56:30","modified_gmt":"2026-03-31T20:56:30","slug":"mortgage-rates-in-indiana","status":"publish","type":"post","link":"https:\/\/thechumba.com\/index.php\/2026\/03\/31\/mortgage-rates-in-indiana\/","title":{"rendered":"Indiana Mortgage Rates Today: What You Need to Know"},"content":{"rendered":"\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/thechumba.com\/\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1536\" height=\"1024\" src=\"https:\/\/thechumba.com\/wp-content\/uploads\/2026\/03\/indiana_mortgage_compressed.jpg\" alt=\"rates\" class=\"wp-image-800\"\/><\/a><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">If you&#8217;re thinking about buying a home in Indiana\u2014or refinancing one you already own\u2014mortgage rates are probably top of mind. And for good reason. Even a small difference in interest rates can mean thousands of dollars saved (or lost) over the life of a loan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But here\u2019s the thing: mortgage rates aren\u2019t just numbers you glance at and move on from. They\u2019re influenced by a web of economic factors, personal financial details, and timing decisions that can either work in your favor\u2014or against it.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">So let\u2019s slow things down and really unpack what\u2019s happening with Indiana mortgages today, what influences them, and how you can make smarter decisions in this market.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">A Quick Snapshot of Mortgage Rates in Indiana<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Mortgage in Indiana generally track national trends, but they can vary slightly based on local lenders, competition, and borrower profiles.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As of today (early 2026 context), typical ranges look something like:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>30-year fixed mortgage:<\/strong> ~6.2% \u2013 7.1%<\/li>\n\n\n\n<li><strong>15-year fixed mortgage:<\/strong> ~5.4% \u2013 6.3%<\/li>\n\n\n\n<li><strong>Adjustable-rate mortgages (ARMs):<\/strong> often start lower (around 5.5% \u2013 6.5%) but can change over time<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Now, these are just ballpark ranges. Your actual rate could be higher or lower depending on your credit score, down payment, income stability, and even the specific lender you choose.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Why Mortgage Rates Matter More Than You Think<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">It\u2019s easy to focus on the monthly payment and forget the bigger picture. But interest price directly impact:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Total cost of your home<\/strong><\/li>\n\n\n\n<li><strong>Monthly affordability<\/strong><\/li>\n\n\n\n<li><strong>Loan approval odds<\/strong><\/li>\n\n\n\n<li><strong>Refinancing opportunities later on<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Let\u2019s say you\u2019re buying a $300,000 home. A difference of just <strong>0.5% in interest rate<\/strong> could mean paying tens of thousands more over 30 years.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That\u2019s why timing and preparation matter.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What\u2019s Driving Mortgage Rates Right Now?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Mortgage rates don\u2019t just move randomly. They respond to a mix of economic signals, and understanding these helps you predict where things might be heading.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. Inflation<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Inflation is one of the biggest drivers.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>When inflation is <strong>high<\/strong>, mortgage rates tend to rise<\/li>\n\n\n\n<li>When inflation cools, rates often stabilize or drop<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Why? Because lenders want to protect their returns. If money loses value faster (inflation), they charge more interest.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Federal Reserve Policy<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The Federal Reserve doesn\u2019t set mortgage rates directly\u2014but it heavily influences them.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When the Fed:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Raises interest rates \u2192 mortgage rates usually increase<\/li>\n\n\n\n<li>Lowers rates \u2192 mortgage rates may fall<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">In recent years, aggressive rate hikes to combat inflation pushed mortgage rates higher than many buyers were used to.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. Bond Market (Especially the 10-Year Treasury)<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Mortgage tend to follow the <strong>10-year Treasury yield<\/strong>.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>When Treasury yields rise \u2192 mortgage rates rise<\/li>\n\n\n\n<li>When yields fall \u2192 mortgage rates follow<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">This is one of the most reliable indicators professionals watch daily.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. Economic Growth &amp; Employment<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A strong economy can push rates up.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>More jobs = more spending = potential inflation<\/li>\n\n\n\n<li>That leads to higher interest rates<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Ironically, a \u201cgood economy\u201d doesn\u2019t always mean good mortgage price.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Indiana-Specific Factors That Affect Rates<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">While national trends dominate, Indiana has its own characteristics that can subtly influence rates and affordability.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. Lower Cost of Living<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Indiana is known for relatively affordable housing compared to states like California or New York. This means:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Smaller loan amounts<\/li>\n\n\n\n<li>Lower monthly payments<\/li>\n\n\n\n<li>Potentially less financial strain even with higher price<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">2. Competitive Local Lenders<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Indiana has a strong mix of:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Local banks<\/li>\n\n\n\n<li>Credit unions<\/li>\n\n\n\n<li>Regional mortgage companies<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">This competition can sometimes lead to better price or flexible loan options compared to more saturated markets.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. Property Taxes<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Indiana property taxes are moderate compared to national averages, which can offset slightly higher mortgage rates in terms of overall monthly cost.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Types of Mortgage Rates You\u2019ll Encounter<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Not all mortgage price are created equal. Understanding the types available helps you choose wisely.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Fixed-Rate Mortgages<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The most common option.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Same interest rate for the life of the loan<\/li>\n\n\n\n<li>Predictable monthly payments<\/li>\n\n\n\n<li>Ideal for long-term homeowners<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Best for:<\/strong> Stability and long-term planning<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Adjustable-Rate Mortgages (ARMs)<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">These start with a lower rate but can change after a set period.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Example: 5\/1 ARM \u2192 fixed for 5 years, then adjusts annually<\/li>\n\n\n\n<li>Risk of higher payments later<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Best for:<\/strong> Short-term homeowners or those expecting price to drop<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">FHA, VA, and USDA Loans<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Government-backed loans can offer lower price or easier qualification.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>FHA:<\/strong> Lower credit score requirements<\/li>\n\n\n\n<li><strong>VA:<\/strong> For veterans, often no down payment<\/li>\n\n\n\n<li><strong>USDA:<\/strong> For rural areas (many parts of Indiana qualify)<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">What Determines <em>Your<\/em> Mortgage Rate?<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/themcluck.com\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/thechumba.com\/wp-content\/uploads\/2026\/03\/mortgage_rate_factors_compressed.jpg\" alt=\"\" class=\"wp-image-801\"\/><\/a><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Here\u2019s where things get personal. Even if the \u201caverage\u201d rate is 6.5%, you might get 5.9%\u2026 or 7.3%.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Why?<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. Credit Score<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">This is huge.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>760+ \u2192 best rates<\/li>\n\n\n\n<li>700\u2013759 \u2192 good rates<\/li>\n\n\n\n<li>620\u2013699 \u2192 higher rates<\/li>\n\n\n\n<li>Below 620 \u2192 limited options<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">A small improvement in your score can save thousands.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Down Payment<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The more you put down, the less risk for the lender.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>20%+ \u2192 best rates + no PMI<\/li>\n\n\n\n<li>10\u201319% \u2192 decent rates<\/li>\n\n\n\n<li>&lt;10% \u2192 higher rates<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">3. Loan Type &amp; Term<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>15-year loans \u2192 lower price, higher payments<\/li>\n\n\n\n<li>30-year loans \u2192 higher price, lower payments<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">4. Debt-to-Income Ratio (DTI)<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Lenders want to see that you\u2019re not stretched too thin.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Lower DTI = better price<\/li>\n\n\n\n<li>Higher DTI = more risk = higher price<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">5. Employment &amp; Income Stability<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Consistent income makes lenders more comfortable offering better terms.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Should You Buy Now or Wait?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">This is the million-dollar question.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">And honestly, there\u2019s no one-size-fits-all answer.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Buying Now Makes Sense If:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You\u2019ve found a home you love<\/li>\n\n\n\n<li>You can comfortably afford payments<\/li>\n\n\n\n<li>You plan to stay long-term<\/li>\n\n\n\n<li>You can refinance later if rates drop<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Waiting Might Make Sense If:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Your credit score needs improvement<\/li>\n\n\n\n<li>You need to save for a larger down payment<\/li>\n\n\n\n<li>You expect rates to drop significantly<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">But here\u2019s the reality: <strong>timing the market perfectly is almost impossible.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A better strategy is to focus on what you <em>can control<\/em>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Strategies to Get the Best Mortgage Rate<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/thechumba.com\/wp-content\/uploads\/2026\/03\/strategies_mortgage_compressed.jpg\" alt=\"\" class=\"wp-image-802\"\/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">If you want to win in today\u2019s market, don\u2019t just watch rates\u2014optimize your position.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. Improve Your Credit Score<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Even a 20\u201340 point increase can lower your rate.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pay down credit cards<\/li>\n\n\n\n<li>Avoid new debt<\/li>\n\n\n\n<li>Check your credit report for errors<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">2. Shop Around (Seriously)<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Don\u2019t settle for the first offer.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Get quotes from:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Banks<\/li>\n\n\n\n<li>Credit unions<\/li>\n\n\n\n<li>Online lenders<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Even a 0.25% difference matters.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. Consider Buying Points<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">You can \u201cbuy down\u201d your rate by paying upfront.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Higher upfront cost<\/li>\n\n\n\n<li>Lower long-term payments<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">This works best if you plan to stay in the home for years.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. Lock Your Rate at the Right Time<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Price can change daily.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>If rates are trending upward \u2192 lock early<\/li>\n\n\n\n<li>If stable \u2192 you might wait slightly<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Talk to your lender about lock options.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">5. Choose the Right Loan Type<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Don\u2019t just default to a 30-year fixed.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A 15-year loan might save you more<\/li>\n\n\n\n<li>An ARM could work if you plan to move<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Refinancing: Is It Worth It?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you already own a home in Indiana, refinancing might be on your radar.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">When It Makes Sense:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You can lower your rate by <strong>at least 0.5%\u20131%<\/strong><\/li>\n\n\n\n<li>You want to reduce monthly payments<\/li>\n\n\n\n<li>You want to switch loan types (ARM \u2192 fixed)<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">When It Doesn\u2019t:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Closing costs outweigh savings<\/li>\n\n\n\n<li>You plan to move soon<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Future Outlook: Where Are Rates Headed?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">No one can predict mortgage price with absolute certainty, but trends suggest:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Rates may <strong>gradually stabilize<\/strong> if inflation continues to cool<\/li>\n\n\n\n<li>Sharp drops are unlikely in the short term<\/li>\n\n\n\n<li>Moderate fluctuations will continue<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">In other words: don\u2019t expect a sudden return to ultra-low rates like 2020\u20132021 anytime soon.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The Emotional Side of Mortgage Decisions<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Let\u2019s be real for a moment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Buying a home isn\u2019t just financial\u2014it\u2019s emotional.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You\u2019re thinking about your future<\/li>\n\n\n\n<li>Your family<\/li>\n\n\n\n<li>Stability<\/li>\n\n\n\n<li>Identity<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">And when price are high, it can feel frustrating or even discouraging.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But here\u2019s a grounded perspective:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A slightly higher rate doesn\u2019t make a home a bad decision<\/li>\n\n\n\n<li>Renting forever to \u201cwait for perfection\u201d can cost you too<\/li>\n\n\n\n<li>You can refinance\u2014but you can\u2019t go back in time and buy at yesterday\u2019s home price<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Common Mistakes to Avoid<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/thechumba.com\/wp-content\/uploads\/2026\/03\/common_mistakes_compressed.jpg\" alt=\"\" class=\"wp-image-803\"\/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Even smart buyers slip up. Watch out for these:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. Focusing Only on Interest Rate<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Monthly payment matters more in your day-to-day life.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Not Getting Pre-Approved<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">This weakens your position in a competitive market.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. Ignoring Closing Costs<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Price aren\u2019t everything\u2014fees add up.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. Overstretching Your Budget<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Just because you\u2019re approved doesn\u2019t mean you should max it out.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">5. Skipping Rate Comparisons<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">This is one of the most expensive mistakes.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Final Thoughts<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Indiana mortgage rates today reflect a broader economic story\u2014one shaped by inflation, policy decisions, and market forces beyond any one buyer\u2019s control.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But here\u2019s the empowering part: <strong>you still have a lot of control over your outcome.<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Your credit score<\/li>\n\n\n\n<li>Your lender choice<\/li>\n\n\n\n<li>Your loan structure<\/li>\n\n\n\n<li>Your timing<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">All of these can shift the numbers in your favor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">So instead of waiting for \u201cperfect\u201d price, focus on being a <strong>well-prepared buyer<\/strong>. That\u2019s where the real advantage lies.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Because at the end of the day, the goal isn\u2019t just to get the lowest rate\u2014it\u2019s to make a decision that works for your life, your finances, and your future.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you&#8217;re thinking about buying a home in Indiana\u2014or refinancing one you already own\u2014mortgage rates are probably top of mind. And for good reason. Even a small difference in interest rates can mean thousands of dollars saved (or lost) over the life of a loan. But here\u2019s the thing: mortgage rates aren\u2019t just numbers you&#8230;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-799","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"uagb_featured_image_src":{"full":false,"thumbnail":false,"medium":false,"medium_large":false,"large":false,"1536x1536":false,"2048x2048":false},"uagb_author_info":{"display_name":"thechumba-admin","author_link":"https:\/\/thechumba.com\/author\/thechumba-admin\/"},"uagb_comment_info":2,"uagb_excerpt":"If you&#8217;re thinking about buying a home in Indiana\u2014or refinancing one you already own\u2014mortgage rates are probably top of mind. And for good reason. Even a small difference in interest rates can mean thousands of dollars saved (or lost) over the life of a loan. But here\u2019s the thing: mortgage rates aren\u2019t just numbers you...","_links":{"self":[{"href":"https:\/\/thechumba.com\/index.php\/wp-json\/wp\/v2\/posts\/799","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/thechumba.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/thechumba.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/thechumba.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/thechumba.com\/index.php\/wp-json\/wp\/v2\/comments?post=799"}],"version-history":[{"count":1,"href":"https:\/\/thechumba.com\/index.php\/wp-json\/wp\/v2\/posts\/799\/revisions"}],"predecessor-version":[{"id":804,"href":"https:\/\/thechumba.com\/index.php\/wp-json\/wp\/v2\/posts\/799\/revisions\/804"}],"wp:attachment":[{"href":"https:\/\/thechumba.com\/index.php\/wp-json\/wp\/v2\/media?parent=799"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/thechumba.com\/index.php\/wp-json\/wp\/v2\/categories?post=799"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/thechumba.com\/index.php\/wp-json\/wp\/v2\/tags?post=799"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}