09/25/2026
When interest rates go up, or even when they stay steady, it’s easy to think it would be best to wait until they go down before you buy a home. While that can be the best course for some, waiting comes at a cost. Here are a few factors to consider:
Appreciation: Home values historically rise, often making the same property more expensive later.
Sunk rent: Rent payments build zero equity and typically increase annually.
Rate vs. Price: Waiting for even a small drop in interest rates rarely offsets a higher purchase price later.
Refinance option: Buying now locks in the property you want. You can refinance later if market rates fall.
For more insight and context, reach out to any of our loan originators. You can find us at cimginc.com
