01/06/2026
BUYERS - Something to think about:
"Most buyers think waiting is harmless.
It’s not.
There’s a cost to sitting on the sidelines.... it just doesn’t show up as a monthly payment, so people ignore it.
Right now, that cost looks like this:
People are fixated on a specific number.
5%. As if the market pauses until it shows up.
It won’t.
While buyers wait to save maybe $100–$150 a month on a future rate, the part of the market that actually creates leverage is quietly closing.
Sellers have been covering costs. Cutting prices. Being flexible.
Not because they’re generous but because demand hasn’t fully returned yet.
That’s the opportunity.
And here’s what usually happens next:
Once rates move enough to change the headlines, buyers don’t trickle back in. They rush. Sellers stop conceding. Prices do the work rates used to do.
So yes.. waiting you might get a lower rate.
You’ll just pay for it in a higher purchase price and more competition.
The leverage buyers have today exists because rates aren’t perfect.
When rates “get better,” that leverage disappears.
This market isn’t about timing a number.
It’s about understanding when the balance quietly shifts...
And that shift is already happening."
Reid McKee
