04/21/2026
Everyone keeps asking me if they should wait for rates to drop… and I get it. It sounds like the safe move.
But here’s a little perspective:
Back in the 1980s, buyers were locking in rates around 12%
In 2020, we saw those ultra-low ~3% rates
Today, we’re sitting in the mid-6% range
2025 averaged right around 6.6%… and right now we’re just a touch below that
Here’s the part most people don’t think about 👇
When rates drop, buyers flood back into the market. Demand goes up, competition heats up, and prices usually follow.
So yes… you might get a better rate.
But you could also end up paying more for the home and competing in multiple-offer situations again.
Right now, the market feels different.
There’s less competition in a lot of areas, more negotiating power, and more inventory sitting than we’ve seen in a while.
While I'm not here to tell you what to do… I am here if you’re trying to figure out your next move! Let’s talk strategy.
Send me a message or comment "PLAN" and I’ll send you a DM.
