09/18/2026
Not every person who can buy a house should buy a house.
And yes, I’m a Realtor saying that. 😂
There are absolutely situations where I would look at a client and say, “I think we should wait.”
Not because I think the market is going to crash.
Not because I have a crystal ball telling me rates are about to drop.
And definitely not because I want to scare you out of buying.
Because sometimes waiting is the financially responsible decision.
I’d tell you to wait if:
1. The payment makes you house poor.
If buying means you have nothing left after the mortgage, utilities, maintenance, groceries, and life happens…
I’d tell you to wait.
2. Your income or job situation is shaky.
If you’re buying based on what you hope your income will be instead of what you can comfortably support today…
I’d tell you to wait.
3. You have no financial cushion.
Buying a house comes with surprises.
A water heater doesn’t care that you just closed.
If your down payment and closing costs drain your savings completely…
I’d tell you to wait.
4. You’re buying because you feel pressured.
Rates might change.
Prices might change.
Your friends might be buying.
Your parents might think you should buy.
None of that means you need to buy today.
5. You aren’t sure you actually want to stay.
Real estate advice shouldn’t be:
“BUY! BUY! BUY!”
Or:
“WAIT! THE MARKET IS GOING TO CRASH!”
It should be:
“Let’s look at YOUR numbers, YOUR plans, YOUR risk tolerance, and what you actually want your life to look like.”
My job isn’t to get you into a house.
My job is to help you make a decision you won’t regret.
And sometimes that decision is buying.
Sometimes it’s waiting.
And sometimes it’s realizing you need to change the plan entirely.
That’s what decision clarity looks like.