05/16/2026
Yesterday, I refinanced into a 15-year fixed at 5.75%.
The result?
✅ Only an $85 increase in my monthly payment.
✅ Saving over $110,000 in interest.
✅ Building equity faster.
✅ Owning my home in HALF the time.
As a Realtor and Realtist, I have these conversations often with people sitting on the fence because they’re waiting for the “perfect” market.
Here’s the truth:
The perfect market rarely exists.
What matters most is strategy, timing, and positioning yourself for long-term wealth.
I understand the hesitation because many people are cautious right now:
• “Rates are too high.”
• “Prices might drop.”
• “I should wait.”
But here are 5 reasons why moving forward STILL makes sense for many buyers:
1️⃣ You can refinance later — but you can’t go back and buy at yesterday’s prices.
Real estate historically appreciates over time.
2️⃣ Homeownership builds wealth through equity, not rent receipts.
Every payment moves you closer to ownership instead of paying someone else’s mortgage.
3️⃣ Waiting can cost more than acting.
Even a small increase in home prices can outweigh future rate savings.
4️⃣ Competition is lower right now.
Less bidding wars. More negotiation power. More opportunities.
5️⃣ Time in the market beats timing the market.
The people who build wealth through real estate usually start before conditions feel “perfect.”
As a Realtist, I especially believe homeownership is about more than property — it’s about legacy, stability, community, and creating generational wealth.
Don’t let fear keep you from exploring your options.
Run the numbers. Ask questions. Create a plan.
Because sometimes the smartest financial move isn’t waiting… it’s positioning yourself wisely today.
LuCynthia Jones
Keller Williams Citywide
419-392-7993
