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Many people tell me they’re waiting for interest rates to drop before buying a home. It sounds smart, but it could actually cost you more in the long run. Rates may fall soon, but when they do, the market will heat up fast. More buyers will enter the market, inventory will decrease, and competition will drive prices higher.
Why buying now makes sense? Right now, you have more homes to choose from. You’re not fighting against 20 or 30 offers like we’ve seen in past markets. That means you can shop with less stress, take your time, and make better decisions. Buying today gives you more negotiating power and a better chance to secure the home you really want.
Focus on price, rate, and terms. It’s easy to focus only on the interest rate, but that’s not the whole story. Your monthly payment comes down to three things: price, rate, and loan terms. Getting pre-approved is the best way to see what’s comfortable for your budget. With the help of our partners at Envoy Mortgage, you can know your numbers before you start shopping.
Plan to refinance later. You don’t need to wait for the “perfect” rate to move forward. You can buy the right home now and refinance later when rates come down, whether that’s in 2026 or sooner. That means you get the home you want today and the lower payment in the future.
Buying in today’s market doesn’t have to be stressful. With the right plan, you can find the home you love and establish a foundation for future savings. If you’re ready to buy and want guidance, you can call or text us at (209) 834-2680 or email us at homefinder@homebuyersrealty.com.. We’ll walk you through your options, connect you with a trusted lender, and help you feel confident about your move.
