Hey Everyone,
Everyone’s watching the news, waiting for the next rate drop like it’s the next hot Netflix drop. But here’s the thing, being hyper focused on rate is the wrong place to be looking.
Let’s say someone’s waiting for rates to fall by another 0.25%.
Sounds smart, right? A small drop could mean lower payments, less interest, a “better deal.”
But in reality, the math rarely works that way.
While they’re waiting for that perfect rate, the market keeps moving.
Homes are selling. Prices are creeping up. Inventory is tightening.
And by the time rates dip, that same house they loved at $600,000 might be $625,000 which completely wipes out the savings from that tiny rate change.
In other words, waiting for the rate to move a fraction of a percent
often costs tens of thousands more in the price of the home.
A Smarter Way to Think About It
Instead of trying to time the market, think long-term strategy.
I work with lenders who offer much lower penalties for refinancing,
meaning you can lock in the right home now, and if rates drop later,
you can refinance and grab the better rate without paying a small fortune to switch.
It’s the best of both worlds:
✅ Secure the home you actually want, while
✅ Keeping flexibility to improve your rate later.
What Matters More Than a Quarter-Point Rate
The right home, one that fits your needs, budget, and lifestyle.
A flexible mortgage strategy, with fair penalties if you refinance.
Your total picture, because homeownership isn’t just about the rate; it’s about long-term value.
If you’re trying to time the market, you’re competing against economists who can’t even agree on what’ll happen next week.
Instead, focus on what you can control, your goals, your budget, and the opportunities that exist right now.
Want to know what I think?
If you find the right house, don’t let a 0.25% rate change stand between you and building equity sooner.
Rates move, but so do prices, and history shows prices usually move faster.
With the right lender setup, you don’t have to wait for the market to be perfect.
You just have to start.
Want to see how that looks in real numbers?
Let’s run a quick comparison: waiting vs. buying now, and what a future refinance could save you.
No pressure, just clarity.
-Andrew
Text me, right now! 250-919-5474
I don’t say this on a whim, I’m serious, if you text me now, I can show you exactly where you stand within a few hours. No stress, no pressure, no obligation.
Just a simple text that can put you at ease.