{"id":1056,"date":"2025-06-21T12:22:07","date_gmt":"2025-06-21T12:22:07","guid":{"rendered":"https:\/\/thepumumedia.com\/blogs\/?p=1056"},"modified":"2025-06-17T12:30:53","modified_gmt":"2025-06-17T12:30:53","slug":"navigating-a-mortgage-with-rising-interest-rates","status":"publish","type":"post","link":"https:\/\/thepumumedia.com\/blogs\/navigating-a-mortgage-with-rising-interest-rates\/","title":{"rendered":"Navigating a Mortgage with Rising Interest Rates"},"content":{"rendered":"\n<p>Buying a home is one of the biggest financial decisions you\u2019ll make. In 2025, mortgage rates have climbed from the record lows seen during the pandemic era, putting pressure on affordability for many buyers. Understanding why rates are rising\u2014and how to adapt\u2014can help you secure a mortgage that fits your budget and long\u2011term goals.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Understanding Today\u2019s Mortgage Rate Environment<\/strong><\/h2>\n\n\n\n<p>In mid\u2011June 2025, the average rate for a 30\u2011year fixed\u2011rate mortgage in the U.S. sits around <strong>6.78%<\/strong>\u2014up from under 3% just a few years ago. This change traces back to the Federal Reserve raising its benchmark rate to <strong>4.25\u20134.50%<\/strong> as it works to tame inflation without derailing growth. When the Fed hikes rates, banks pass those costs on to borrowers, making mortgages more expensive.<\/p>\n\n\n\n<p>Rising rates affect not only new mortgages but also home refinancing. If you bought when rates were ultra\u2011low, refinancing now may not make sense unless your credit has dramatically improved or your loan balance is small. Knowing where rates stand today is the first step to smart borrowing.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>How Rising Rates Impact Home Affordability<\/strong><\/h2>\n\n\n\n<p>As rates climb, your monthly payment on the same loan amount increases. On a <strong>$300,000<\/strong> mortgage:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>At <strong>3%<\/strong>, your 30\u2011year payment would be about <strong>$1,265<\/strong>.<br><\/li>\n\n\n\n<li>At <strong>6.78%<\/strong>, that payment jumps to roughly <strong>$1,950<\/strong>\u2014an extra <strong>$685<\/strong> per month.<br><\/li>\n<\/ul>\n\n\n\n<p>Over 30 years, that\u2019s more than <strong>$245,000<\/strong> in additional interest paid. Higher rates also shrink the loan amount you can qualify for under the same debt\u2011to\u2011income rules. For many buyers, this means adjusting expectations: targeting a less expensive home, increasing down payment, or extending your search area to stay within budget.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Fixed\u2011Rate vs. Adjustable\u2011Rate Mortgages<\/strong><\/h2>\n\n\n\n<p>With rates on the rise, your first choice is between a <strong>fixed\u2011rate mortgage (FRM)<\/strong> and an <strong>adjustable\u2011rate mortgage (ARM)<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Fixed\u2011rate<\/strong>: Your interest rate\u2014and payment\u2014never changes. You gain stability, but pay a premium for it today.<br><\/li>\n\n\n\n<li><strong>Adjustable\u2011rate<\/strong>: Starts with a lower \u201cteaser\u201d rate (e.g., 5% for five years on a 5\/1 ARM) before adjusting annually. ARMs can save money short term but carry the risk of future payment jumps.<br><\/li>\n<\/ul>\n\n\n\n<p>If you plan to stay in your home more than seven or eight years, a fixed rate often makes sense despite being higher today. But if you expect to sell or refinance before the ARM\u2019s reset, an ARM\u2019s lower initial rate can ease your payments in the early years.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Locking in the Best Rate: Timing and Fees<\/strong><\/h2>\n\n\n\n<p>Mortgage rates fluctuate daily, often by small amounts. When you apply, lenders will offer a <strong>lock\u2011in<\/strong> period (30, 45, or 60 days) that guarantees your rate, in exchange for a fee or \u201cpoint\u201d (1 point = 1% of loan amount). Lock\u2011in tips:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Watch economic calendars<\/strong>: Rates often move on Fed announcements or inflation reports.<br><\/li>\n\n\n\n<li><strong>Shop for the best lock fee<\/strong>: Some lenders waive or discount lock fees for strong borrowers.<br><\/li>\n\n\n\n<li><strong>Consider a float\u2011down<\/strong>: If rates drop after you lock, a float\u2011down option lets you capture the new lower rate (for a fee).<br><\/li>\n<\/ol>\n\n\n\n<p>Locking too early can cost you if rates fall; waiting too long risks a jump. Coordinate closely with your lender to pick the optimal lock window based on your closing timeline.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Strengthening Your Mortgage Application<\/strong><\/h2>\n\n\n\n<p>Better credit and lower debt\u2011to\u2011income (DTI) ratios lead to lower rates and higher loan approval odds:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Credit score<\/strong>: A score above <strong>760<\/strong> may qualify you for top-tier rates; scores between 700\u2013759 still get competitive pricing.<br><\/li>\n\n\n\n<li><strong>DTI ratio<\/strong>: Lenders prefer your total monthly debt payments (including the new mortgage) to be under <strong>43%<\/strong> of your gross income.<br><\/li>\n\n\n\n<li><strong>Documentation<\/strong>: Steady employment, two years of tax returns (for self\u2011employed), and clear asset statements improve your lender\u2019s confidence.<br><\/li>\n<\/ul>\n\n\n\n<p>Before applying, pull your credit report, correct any errors, and pay down high\u2011interest debts. A small rate difference\u2014say 0.25%\u2014can save thousands over the life of the loan.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Buying Mortgage Points and Rate Buydowns<\/strong><\/h2>\n\n\n\n<p>If you have cash on hand, buying <strong>discount points<\/strong> can lower your rate:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>1 point<\/strong> typically costs <strong>1% of your loan<\/strong> and reduces your rate by around 0.25%.<br><\/li>\n\n\n\n<li><strong>2\u20111 buydown<\/strong>: The lender or seller subsidizes the rate for the first two years (e.g., 2% below the note rate in year one, 1% below in year two), then reverts to the standard rate.<br><\/li>\n<\/ul>\n\n\n\n<p>Points are best when you plan to stay in your home long enough to recoup the upfront cost via lower monthly payments\u2014usually <strong>three to seven years<\/strong>, depending on the point cost and payment savings.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Refinance in a Rising\u2011Rate Market: When Does It Make Sense?<\/strong><\/h2>\n\n\n\n<p>Refinancing no longer guarantees a lower rate. Consider refinancing only if:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>You can cut at least 0.75%\u20131.00%<\/strong> off your current rate (to offset closing costs).<br><\/li>\n\n\n\n<li><strong>You\u2019ve improved your credit score<\/strong> since you took out the original loan.<br><\/li>\n\n\n\n<li><strong>You\u2019ve paid down significant principal<\/strong> to reduce your balance.<br><\/li>\n<\/ol>\n\n\n\n<p>Alternatively, you might refinance to switch from an ARM to a fixed\u2011rate for stability, even at a slightly higher rate, if you expect rates to continue rising. Always compare the <strong>break\u2011even point<\/strong> (closing costs \u00f7 monthly savings) to your expected time in the home.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Using Mortgage Calculators and Budgeting Tools<\/strong><\/h2>\n\n\n\n<p>Accurate budgeting starts with reliable calculators:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Payment calculator<\/strong>: Enter loan amount, rate, and term to estimate principal and interest.<br><\/li>\n\n\n\n<li><strong>Amortization schedule<\/strong>: Shows how much of each payment goes to principal vs. interest over time.<br><\/li>\n\n\n\n<li><strong>Affordability calculator<\/strong>: Includes taxes, insurance, HOA fees, and potential rate changes for ARMs.<br><\/li>\n<\/ul>\n\n\n\n<p>Online tools from sites like Bankrate or Freddie Mac are free and updated daily. Plug in rising\u2011rate scenarios (e.g., 0.5% or 1% increases) to see how future payments could spike. This prepares you for worst\u2011case situations and guides your down\u2011payment and term choices.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Exploring Alternative Financing: ARMs, Interest\u2011Only, and Beyond<\/strong><\/h2>\n\n\n\n<p>If fixed rates are too high, other loan structures can lower initial payments:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>5\/1 or 7\/1 ARMs<\/strong>: Fixed for the first 5 or 7 years, then adjust annually.<br><\/li>\n\n\n\n<li><strong>Interest\u2011only loans<\/strong>: Pay only interest (no principal) for a set period (e.g., 10 years), then switch to amortizing payments\u2014risky if rates jump.<br><\/li>\n\n\n\n<li><strong>Seller or lender credits<\/strong>: In exchange for a slightly higher rate, the lender or seller covers part of your closing costs.<br><\/li>\n<\/ul>\n\n\n\n<p>These options suit buyers with short\u2011term horizons but carry refinance or payment\u2011shock risk later. Always run scenarios in your calculator and plan exit strategies before choosing non\u2011traditional loans.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Government\u2011Backed Loans and Assistance Programs<\/strong><\/h2>\n\n\n\n<p>When conventional rates bite, FHA, VA, and USDA loans can help:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>FHA loans<\/strong>: Offer down payments as low as <strong>3.5%<\/strong> and more lenient credit requirements, though you\u2019ll pay mortgage insurance premiums.<br><\/li>\n\n\n\n<li><strong>VA loans<\/strong>: No down payment for eligible veterans\/spouses and no private mortgage insurance\u2014rates tend to be slightly below conventional.<br><\/li>\n\n\n\n<li><strong>USDA loans<\/strong>: Zero\u2011down loans for rural areas, with income limits and area eligibility requirements.<br><\/li>\n<\/ul>\n\n\n\n<p>These programs don\u2019t directly lower market rates but can reduce upfront costs and allow you to qualify when conventional loans might reject you.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Shopping Lenders: Why Rate Quotes Vary<\/strong><\/h2>\n\n\n\n<p>Different lenders price loans differently based on their cost structure, wholesale relationships, and risk tolerance. When you rate\u2011shop:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Get at least three quotes<\/strong> within 30 days (to preserve credit score impact).<br><\/li>\n\n\n\n<li><strong>Compare APR<\/strong>, not just the interest rate; APR includes certain fees.<br><\/li>\n\n\n\n<li><strong>Ask for loan estimates<\/strong>: Standardized forms let you compare origination fees, points, and closing costs line\u2011by\u2011line.<br><\/li>\n<\/ol>\n\n\n\n<p>Small differences in lender fees or points can add up to thousands. Switching lenders for a 0.125% lower rate often pays back more than you might expect.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>The Art of Timing: Can You Predict Rate Moves?<\/strong><\/h2>\n\n\n\n<p>No one can time rates perfectly, but you can watch key indicators:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Fed meetings and statements<\/strong>: The Federal Reserve\u2019s outlook on inflation and growth signals if more hikes are coming.<br><\/li>\n\n\n\n<li><strong>Economic data<\/strong>: Strong jobs reports or inflation readings often push rates higher; weak data can pull rates down.<br><\/li>\n\n\n\n<li><strong>Bond markets<\/strong>: Mortgage rates often track the 10\u2011year Treasury yield\u2014if that yield rises, mortgage rates tend to follow.<br><\/li>\n<\/ul>\n\n\n\n<p>Rather than chasing day\u2011to\u2011day moves, lock when rates are within your target range and your loan process is ready. Chasing every drop can delay your purchase indefinitely.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Building an Emergency Buffer for Rate Spikes<\/strong><\/h2>\n\n\n\n<p>When you choose an ARM or plan for potential rate increases, maintain extra cash reserves:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>3\u20136 months<\/strong> of living expenses is the baseline emergency fund.<br><\/li>\n\n\n\n<li><strong>Additional buffer<\/strong> of 1\u20132 mortgage payments for ARMs exposed to rate resets.<br><\/li>\n<\/ul>\n\n\n\n<p>This cushion prevents payment shocks from derailing your budget and keeps you from defaulting if rates jump or unexpected expenses arise.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Negotiating Closing Costs and Fees<\/strong><\/h2>\n\n\n\n<p>Closing costs typically run <strong>2\u20135%<\/strong> of the loan amount. You can negotiate:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Origination fees<\/strong>: Ask the lender to reduce or waive them.<br><\/li>\n\n\n\n<li><strong>Title and appraisal fees<\/strong>: Shop separate vendors or use lender affiliates with lower fees.<br><\/li>\n\n\n\n<li><strong>Discount points<\/strong>: If you\u2019re buying points to lower rates, negotiate the cost per point.<br><\/li>\n<\/ul>\n\n\n\n<p>Lender transparency varies\u2014request a detailed fee breakdown (the Loan Estimate) and challenge any charges that seem out of line with national averages. Every dollar you save here directly offsets your higher rate.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Long\u2011Term Strategy: Building Equity and Paying Down Principal<\/strong><\/h2>\n\n\n\n<p>Even with higher rates, you can accelerate equity building:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Make biweekly payments<\/strong>: Equivalent to one extra monthly payment per year, trimming years off your term.<br><\/li>\n\n\n\n<li><strong>Round up your payment<\/strong>: Adding $50\u2013$100 each month cuts interest costs and shortens the loan.<br><\/li>\n\n\n\n<li><strong>Refinance if rates drop significantly<\/strong>: Keep an eye on market cycles for potential refinance opportunities down the road.<br><\/li>\n<\/ol>\n\n\n\n<p>By coupling smart repayment with disciplined budgeting, you can mitigate the impact of higher rates and grow your home equity faster than your interest accrues.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Conclusion: Thrive Despite Rising Rates<\/strong><\/h2>\n\n\n\n<p>Rising mortgage rates in 2025 present real challenges for homebuyers\u2014but they\u2019re far from insurmountable. By understanding today\u2019s rate environment, strengthening your application, shopping wisely, and choosing the strategy that matches your timeline and risk tolerance, you can secure a mortgage that works for you. Lock in your rate at the right time, negotiate fees, and maintain an emergency buffer. Even in a high\u2011rate era, homeownership remains a powerful wealth\u2011building tool\u2014navigate it with confidence, and you\u2019ll be set up for long\u2011term success.<br><\/p>\n\n\n\n<p>Source : <a href=\"http:\/\/thepumumedia.com\">thepumumedia.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Buying a home is one of the biggest financial decisions you\u2019ll make. In 2025, mortgage rates have climbed from the record lows seen during the pandemic era, putting pressure on affordability for many buyers. Understanding why rates are rising\u2014and how to adapt\u2014can help you secure a mortgage that fits your budget and long\u2011term goals. Understanding Today\u2019s Mortgage Rate Environment In mid\u2011June 2025, the average rate for a 30\u2011year fixed\u2011rate mortgage in the U.S. sits around 6.78%\u2014up from under 3% just a few years ago. This change traces back to the Federal Reserve raising its benchmark rate to 4.25\u20134.50% as it works to tame inflation without derailing growth. When the Fed hikes rates, banks pass those costs on to borrowers, making mortgages more expensive. Rising rates affect not only new mortgages but also home refinancing. If you bought when rates were ultra\u2011low, refinancing now may not make sense unless your credit has dramatically improved or your loan balance is small. Knowing where rates stand today is the first step to smart borrowing. How Rising Rates Impact Home Affordability As rates climb, your monthly payment on the same loan amount increases. On a $300,000 mortgage: Over 30 years, that\u2019s more than $245,000 in additional interest paid. Higher rates also shrink the loan amount you can qualify for under the same debt\u2011to\u2011income rules. For many buyers, this means adjusting expectations: targeting a less expensive home, increasing down payment, or extending your search area to stay within budget. Fixed\u2011Rate vs. Adjustable\u2011Rate Mortgages With rates on the rise, your first choice is between a fixed\u2011rate mortgage (FRM) and an adjustable\u2011rate mortgage (ARM): If you plan to stay in your home more than seven or eight years, a fixed rate often makes sense despite being higher today. But if you expect to sell or refinance before the ARM\u2019s reset, an ARM\u2019s lower initial rate can ease your payments in the early years. Locking in the Best Rate: Timing and Fees Mortgage rates fluctuate daily, often by small amounts. When you apply, lenders will offer a lock\u2011in period (30, 45, or 60 days) that guarantees your rate, in exchange for a fee or \u201cpoint\u201d (1 point = 1% of loan amount). Lock\u2011in tips: Locking too early can cost you if rates fall; waiting too long risks a jump. Coordinate closely with your lender to pick the optimal lock window based on your closing timeline. Strengthening Your Mortgage Application Better credit and lower debt\u2011to\u2011income (DTI) ratios lead to lower rates and higher loan approval odds: Before applying, pull your credit report, correct any errors, and pay down high\u2011interest debts. A small rate difference\u2014say 0.25%\u2014can save thousands over the life of the loan. Buying Mortgage Points and Rate Buydowns If you have cash on hand, buying discount points can lower your rate: Points are best when you plan to stay in your home long enough to recoup the upfront cost via lower monthly payments\u2014usually three to seven years, depending on the point cost and payment savings. Refinance in a Rising\u2011Rate Market: When Does It Make Sense? Refinancing no longer guarantees a lower rate. Consider refinancing only if: Alternatively, you might refinance to switch from an ARM to a fixed\u2011rate for stability, even at a slightly higher rate, if you expect rates to continue rising. Always compare the break\u2011even point (closing costs \u00f7 monthly savings) to your expected time in the home. Using Mortgage Calculators and Budgeting Tools Accurate budgeting starts with reliable calculators: Online tools from sites like Bankrate or Freddie Mac are free and updated daily. Plug in rising\u2011rate scenarios (e.g., 0.5% or 1% increases) to see how future payments could spike. This prepares you for worst\u2011case situations and guides your down\u2011payment and term choices. Exploring Alternative Financing: ARMs, Interest\u2011Only, and Beyond If fixed rates are too high, other loan structures can lower initial payments: These options suit buyers with short\u2011term horizons but carry refinance or payment\u2011shock risk later. Always run scenarios in your calculator and plan exit strategies before choosing non\u2011traditional loans. Government\u2011Backed Loans and Assistance Programs When conventional rates bite, FHA, VA, and USDA loans can help: These programs don\u2019t directly lower market rates but can reduce upfront costs and allow you to qualify when conventional loans might reject you. Shopping Lenders: Why Rate Quotes Vary Different lenders price loans differently based on their cost structure, wholesale relationships, and risk tolerance. When you rate\u2011shop: Small differences in lender fees or points can add up to thousands. Switching lenders for a 0.125% lower rate often pays back more than you might expect. The Art of Timing: Can You Predict Rate Moves? No one can time rates perfectly, but you can watch key indicators: Rather than chasing day\u2011to\u2011day moves, lock when rates are within your target range and your loan process is ready. Chasing every drop can delay your purchase indefinitely. Building an Emergency Buffer for Rate Spikes When you choose an ARM or plan for potential rate increases, maintain extra cash reserves: This cushion prevents payment shocks from derailing your budget and keeps you from defaulting if rates jump or unexpected expenses arise. Negotiating Closing Costs and Fees Closing costs typically run 2\u20135% of the loan amount. You can negotiate: Lender transparency varies\u2014request a detailed fee breakdown (the Loan Estimate) and challenge any charges that seem out of line with national averages. Every dollar you save here directly offsets your higher rate. Long\u2011Term Strategy: Building Equity and Paying Down Principal Even with higher rates, you can accelerate equity building: By coupling smart repayment with disciplined budgeting, you can mitigate the impact of higher rates and grow your home equity faster than your interest accrues. Conclusion: Thrive Despite Rising Rates Rising mortgage rates in 2025 present real challenges for homebuyers\u2014but they\u2019re far from insurmountable. By understanding today\u2019s rate environment, strengthening your application, shopping wisely, and choosing the strategy that matches your timeline and risk tolerance, you can secure a mortgage that works for you. Lock in your rate at the right time, negotiate fees, and maintain an<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ocean_post_layout":"","ocean_both_sidebars_style":"","ocean_both_sidebars_content_width":0,"ocean_both_sidebars_sidebars_width":0,"ocean_sidebar":"","ocean_second_sidebar":"","ocean_disable_margins":"enable","ocean_add_body_class":"","ocean_shortcode_before_top_bar":"","ocean_shortcode_after_top_bar":"","ocean_shortcode_before_header":"","ocean_shortcode_after_header":"","ocean_has_shortcode":"","ocean_shortcode_after_title":"","ocean_shortcode_before_footer_widgets":"","ocean_shortcode_after_footer_widgets":"","ocean_shortcode_before_footer_bottom":"","ocean_shortcode_after_footer_bottom":"","ocean_display_top_bar":"default","ocean_display_header":"default","ocean_header_style":"","ocean_center_header_left_menu":"","ocean_custom_header_template":"","ocean_custom_logo":0,"ocean_custom_retina_logo":0,"ocean_custom_logo_max_width":0,"ocean_custom_logo_tablet_max_width":0,"ocean_custom_logo_mobile_max_width":0,"ocean_custom_logo_max_height":0,"ocean_custom_logo_tablet_max_height":0,"ocean_custom_logo_mobile_max_height":0,"ocean_header_custom_menu":"","ocean_menu_typo_font_family":"","ocean_menu_typo_font_subset":"","ocean_menu_typo_font_size":0,"ocean_menu_typo_font_size_tablet":0,"ocean_menu_typo_font_size_mobile":0,"ocean_menu_typo_font_size_unit":"px","ocean_menu_typo_font_weight":"","ocean_menu_typo_font_weight_tablet":"","ocean_menu_typo_font_weight_mobile":"","ocean_menu_typo_transform":"","ocean_menu_typo_transform_tablet":"","ocean_menu_typo_transform_mobile":"","ocean_menu_typo_line_height":0,"ocean_menu_typo_line_height_tablet":0,"ocean_menu_typo_line_height_mobile":0,"ocean_menu_typo_line_height_unit":"","ocean_menu_typo_spacing":0,"ocean_menu_typo_spacing_tablet":0,"ocean_menu_typo_spacing_mobile":0,"ocean_menu_typo_spacing_unit":"","ocean_menu_link_color":"","ocean_menu_link_color_hover":"","ocean_menu_link_color_active":"","ocean_menu_link_background":"","ocean_menu_link_hover_background":"","ocean_menu_link_active_background":"","ocean_menu_social_links_bg":"","ocean_menu_social_hover_links_bg":"","ocean_menu_social_links_color":"","ocean_menu_social_hover_links_color":"","ocean_disable_title":"default","ocean_disable_heading":"default","ocean_post_title":"","ocean_post_subheading":"","ocean_post_title_style":"","ocean_post_title_background_color":"","ocean_post_title_background":0,"ocean_post_title_bg_image_position":"","ocean_post_title_bg_image_attachment":"","ocean_post_title_bg_image_repeat":"","ocean_post_title_bg_image_size":"","ocean_post_title_height":0,"ocean_post_title_bg_overlay":0.5,"ocean_post_title_bg_overlay_color":"","ocean_disable_breadcrumbs":"default","ocean_breadcrumbs_color":"","ocean_breadcrumbs_separator_color":"","ocean_breadcrumbs_links_color":"","ocean_breadcrumbs_links_hover_color":"","ocean_display_footer_widgets":"default","ocean_display_footer_bottom":"default","ocean_custom_footer_template":"","ocean_post_oembed":"","ocean_post_self_hosted_media":"","ocean_post_video_embed":"","ocean_link_format":"","ocean_link_format_target":"self","ocean_quote_format":"","ocean_quote_format_link":"post","ocean_gallery_link_images":"on","ocean_gallery_id":[],"footnotes":""},"categories":[15],"tags":[],"class_list":["post-1056","post","type-post","status-publish","format-standard","hentry","category-finance","entry"],"_links":{"self":[{"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/posts\/1056","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/comments?post=1056"}],"version-history":[{"count":1,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/posts\/1056\/revisions"}],"predecessor-version":[{"id":1066,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/posts\/1056\/revisions\/1066"}],"wp:attachment":[{"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/media?parent=1056"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/categories?post=1056"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/tags?post=1056"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}