04/27/2026
Everyone keeps asking if they should wait for rates to drop before buying.
Here's what nobody's actually talking about:
3% was the anomaly. Not the standard. People bought homes at 12% in the 1980s and still built generational wealth.
Mid-6s? Historically, that's normal.
So the real question isn't "when will rates drop?" It's, are you betting that home prices are going to pause while you wait?
And here's what most people don't factor in: when rates drop, buyers flood back into the market. Sellers stop negotiating. Concessions disappear. Repair requests get rejected. You might land a 5% rate and pay $20K over asking with nothing fixed and no closing cost help.
Is that actually the win you were waiting for?
Right now, in the mid-6s, you have negotiating power.
Sellers are willing to talk. That matters more than people realize.
Real estate is a long-term game. Time in the market beats timing the market every single time.
If you're thinking about buying in Gilbert, Chandler, Queen Creek, or anywhere in the Greater Phoenix area, let's run the actual numbers together. No guessing. No waiting on a rate that may never come.
DM me or drop a comment below.
📍Serving the East Valley & Greater Phoenix
