Once upon a time, there was a young boy named Ouss who lived in a small village. Ouss was known for his adventurous spirit and his love for exploring the world around him. One day, as he was exploring the outskirts of the village, he came across a peculiar old man selling a bag of magic beans. The old man claimed that these beans had the power to grant any wish and fulfill any desire. Intrigued by the old man's words, Ouss decided to purchase the magic beans, despite the skepticism of the villagers. He had always dreamed of going on a grand adventure, and he saw this as the perfect opportunity to do so.
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According to the survey, homeowners with a mortgage rate above 5 are almost twice as likely to say they plan on selling their home in the next three years than those paying a rate below 5. The survey found that about 80 of mortgage holders reported having a rate of less than 5 , 90 reported having a rate of less than 6 , and almost a third reported having a rate of less than 3.
He had always dreamed of going on a grand adventure, and he saw this as the perfect opportunity to do so. Excitedly, Ouss returned home and planted the magic beans in his garden. To his surprise, overnight, a magnificent beanstalk sprouted from the ground and reached far into the sky.
Home Buyers Say This Is Their Magic Mortgage Rate
The interest rate on a 30-year loan has averaged above 7% for four consecutive weeks. It’ll have to come down significantly for most prospective buyers to return to the market, a new survey shows.
© Sergey_Nivens - iStock/Getty Images PlusThe magic number for home buyers may be 5.5%.
That’s the mortgage rate threshold at which many would-be buyers would jump back into the market, according to a survey from John Burns Research and Consulting. Seventy-one percent of prospective home buyers say they won’t accept a rate on a 30-year mortgage above 5.5%, the survey shows. But it may be a while before rates fall to that point. While the interest rate on the 30-year loan eased to 7.12% this week, it has averaged above 7% for four consecutive weeks, Freddie Mac reports.
Higher rates are having a so-called “golden handcuff effect,” discouraging homeowners who locked in low rates a few years ago from selling. This has created an inventory logjam in the housing market. Nearly 82% of home buyers say they feel “locked in” by their existing low-rate mortgage, according to a separate survey from realtor.com®.
The inventory crisis, however, has fueled housing competition in spite of higher mortgage rates. Thirty-five percent of homes are fetching more than their asking price due to a limited number of homes on the market, says Jessica Lautz, deputy chief economist at the National Association of REALTORS®. The typical seller is still receiving three offers on their property.
“The economy remains buoyant, which is encouraging for consumers,” adds Sam Khater, Freddie Mac’s chief economist. “But while inflation has decelerated, firmer economic data have put upward pressure on mortgage rates, which, in the face of affordability challenges, are straining potential home buyers.”
Buyers are being forced to revisit what they can afford. At this week’s 7.12% mortgage rate, a loan for a typical single-family existing home costs $2,221 a month and $1,926 a month for condo buyers, Lautz says. The mortgage payment for a $400,000 home today compared to a year ago is about $259 more per month, Lautz says.
Freddie Mac reports the following nationwide averages with mortgage rates for the week ending Sept. 7:
- 30-year fixed-rate mortgages: averaged 7.12%, dropping from last week’s 7.18% average. A year ago, 30-year rates averaged 5.89%.
- 15-year fixed-rate mortgages: averaged 6.52%, falling from last week’s 6.55% average. A year ago, 15-year rates averaged 5.16%.
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Ouss couldn't believe his eyes and immediately started climbing the beanstalk. As he climbed higher and higher, Ouss found himself in a whole new world above the clouds. The air was crisp, and the scenery was breathtaking. He was astounded by the beauty and wonder he encountered in this magical realm. As Ouss explored further, he stumbled upon a castle nestled at the top of the beanstalk. Curiosity got the better of him, and he decided to venture inside. To his amazement, he found a giant living in the castle who was pleasantly surprised to see Ouss. The giant introduced himself as Voot and explained that he had been living alone in the castle for years. He was lonely and longed for friendship. Ouss, being a friendly and warm-hearted boy, immediately befriended Voot. They spent days together, sharing stories, playing games, and laughing. One day, Voot expressed his desire to return to the village with Ouss. Ouss realized that Voot had been isolated for far too long and that his presence had brought joy and companionship to the giant's life. Together, they descended the beanstalk and made their way back to the village. The villagers were in awe when they saw Ouss and Voot. They couldn't believe that Ouss had actually found a giant living in the sky. The community welcomed Voot with open arms and celebrated the newfound friendship. With the help of the magic beans, Ouss had not only embarked on an incredible adventure but also found a friend for life. The village and its people were forever changed by the magic that Ouss had brought back with him. From that day forward, Ouss and Voot became inseparable, spreading joy and inspiring others through their friendship. The magic beans had not only fulfilled the desires of Ouss but had also transformed the lives of everyone they encountered, proving that magic can exist in the most unexpected places..
Reviews for "The Perfect Recipe: Cooking with Ouss in Voots Magic Beans"
1. Jane - 1/5 stars - I couldn't believe how disappointing "Ouss in voots magic beans" was. The plot was completely illogical and poorly developed. The characters lacked depth and were unrelatable. I found myself struggling to even finish the book. It seemed like the author was trying too hard to be eccentric and unique, but it just came off as forced and awkward. I wouldn't recommend this book to anyone looking for a meaningful or enjoyable reading experience.
2. Mark - 2/5 stars - "Ouss in voots magic beans" had an interesting concept, but it ultimately fell short for me. The writing style was confusing and hard to follow, making it difficult to fully grasp the story. The pacing was also inconsistent, with some parts dragging on for too long while others felt rushed. The dialogue felt stiff and unnatural, making it hard to connect with the characters. Overall, I found this book to be underwhelming and would not recommend it to others.
3. Sarah - 2/5 stars - I was excited to read "Ouss in voots magic beans" based on the intriguing blurb, but the execution left much to be desired. The story was scattered and lacked cohesion, jumping from one random event to another without a clear direction. The characters were poorly developed, and their actions often felt inconsistent and unrealistic. The writing style was also overly verbose and dragged the story down. I was left feeling unsatisfied and disappointed after reading this book.