Let’s talk about the elephant in the room: interest rates.

Yes, they’re higher than the rock-bottom levels we saw in 2020 and 2021. But does that mean it’s a bad time to buy?

Not even close.
Here’s why today’s market might just be one of the best opportunities buyers will see for years to come.

Perspective: Today’s Rates Aren’t That High Historically

Interest rates in the 6–7% range might seem high compared to the 2.65% we saw during the pandemic…
But let’s zoom out.

Historical mortgage interest rates:

• 1981: Over 18%
• 1990s: 8–10% was normal
• Early 2000s: 6–8%
• Today (2024–2025): ~6.5–7.25%

What we experienced in 2020–2021 was the exception — not the rule. That “free money” era created an unsustainable frenzy. In many ways, we’re now in a healthier market with more room for negotiation and less buyer fatigue.

Higher Rates = Less Competition

A lot of would-be buyers are sitting on the sidelines, waiting for rates to drop. That gives active buyers an edge.

• Fewer bidding wars
• More inventory options
• Sellers more willing to negotiate on price, terms, or concessions

In 2021, buyers were waiving inspections and throwing $50K over asking just to compete. Now? You have the power to be picky, ask for repairs, and make smarter deals.

You Can Refinance Later, But You Can’t Undo Overpaying

There’s a saying in real estate:
“Marry the house, date the rate.”

Buy the home that fits your life and budget today. If and when rates drop, you can refinance and lower your monthly payment. But if you wait and prices jump again — like they always do when rates dip — you’ve missed your window to buy low.

Rents Aren’t Getting Cheaper Either

While buyers wait for “perfect timing,” renters are feeling the pressure.
Rental prices in many cities have climbed steadily over the last 3–5 years — with no sign of slowing down.

Homeownership not only builds long-term equity, it also gives you control. No more lease hikes. No more surprise notices. Just a fixed payment building you wealth over time.

Bottom Line: The Right Time Is When You’re Ready

Waiting for a “perfect market” is like waiting for a unicorn. It doesn’t exist.

If you’re financially ready, have job stability, and find a home that makes sense for your goals — this is your moment.

Rates may fluctuate, but the long-term benefits of ownership stay the same:
✔ Stability
✔ Tax advantages
✔ Equity growth
✔ Freedom

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Thinking about buying, but not sure where to start?
Let’s talk strategy. I’ll help you understand your options and make a smart move based on today’s market — not fear.