05/04/2026
Everyone keeps saying, “I’m just going to wait until rates drop.”
Okay… but wait for what exactly?
Because when you look back 40 years, today’s rates are not historically outrageous. They’re just higher than the once-in-a-lifetime rates people got used to.
The 3% era was not normal. It was the exception.
And here’s the part buyers need to think about:
If rates come down, you may not be the only one waiting.
More buyers can jump back in.
Competition can increase.
Negotiating power can shrink.
Prices can keep moving.
So the real question is not, “What if rates go down?”
The better question is:
What if the house you want costs more by the time they do?
In markets like Miami, Broward, and the Florida Keys, waiting without a strategy can get expensive.
Do not marry the rate.
Buy the right property, at the right payment, with the right long-term plan.
And if rates improve later? Refinance.
But remember this:
You can refinance a rate.
You cannot go back and buy yesterday’s price.
Thinking about buying in 2026 but unsure if waiting makes sense? DM me and let’s talk through the numbers.
Karla Gil | REALTOR®
Coldwell Banker Realty
Phone 📱 305-833-5415
Email 📧 [email protected]
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