10/05/2026
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That may sound strange when mortgage rates are higher than buyers would like, but hear us out.
Right now, buyers have something they havenโt always had: CHOICES, TIME, AND NEGOTIATING POWER.
When the market was red hot, buyers were competing against multiple offers, paying over asking price, waiving inspections, covering appraisal gaps and sometimes making decisions within hours.
Today, there is more inventory to choose from, many sellers are willing to negotiate, and some homes have already had significant price adjustments.
So donโt let a small movement in the interest rate be the only thing determining when you buy.
If rates come back down significantly, what do you think happens? More buyers may jump back into the market. Competition can increase. Multiple offers can return. And increased demand can put upward pressure on home prices.
You can refinance an interest rate. You canโt go back and renegotiate the price you paid for the house.
And sometimes buyers get so focused on the monthly payment that they miss the bigger picture. Donโt let something like a $50 difference in a monthly payment keep you from potentially negotiating thousands of dollars in purchase price, closing costs, repairs or other concessions.
There are also financing strategies that may help make the payment more comfortable, including:
โข Seller-paid closing costs that may be used toward a permanent rate buydown
โข Temporary 2-1 buydown programs
โข Lender-specific rate programs and incentives
โข Negotiating seller concessions rather than simply focusing on the asking price
Programs and eligibility vary by lender and borrower, but the point is this: the interest rate you see advertised doesnโt necessarily tell the whole story.
And if youโve been waiting for the right house, we currently have some VERY different opportunities available:
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Looking for something completely different? This log home sits on 5.5 acres with no HOA, has a full basement, detached garage with room for approximately four vehicles and a separate 1,952-square-foot pole barn. Add in the knotty-pine cathedral ceiling, stone fireplace, remodeled primary suite, pool, oversized deck and included hot tub, and this is an incredible property for someone wanting space and privacy.
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A Plainfield address with Avon Schools, offering 4 bedrooms plus a huge bonus room and 2,576 square feet. It has new carpet, fresh paint and lighting, a large deck, additional yard beyond the existing fence, plus an extra-deep garage with one side nearly 30 feet deep.
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Located in the Reserve at Bridgewater, this one-owner Avon home features a dramatic 17-foot great-room ceiling, real hardwood flooring and a main-level primary suite with a 12-foot ceiling. Youโll also find 4 bedrooms, a partial basement, granite and stainless kitchen, wrap-around porch and neighborhood pool. Originally $440,000, now $425,000.
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This one checks some boxes that are difficult to find together: 4 bedrooms, 3-car garage, full basement and a private backyard. It offers 4,627 total square feet, a mostly finished basement, wood-burning fireplace, sunroom, oversized stamped patio, mature trees and a community pool. Originally $475,000, now $465,000.
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A 3-bedroom, 2-bath ranch on a quiet cul-de-sac with a fenced backyard and NO HOA. Updates include interior paint, flooring, granite countertops, smart lighting and switches, newer HVAC, plus a new washer and dryer. Originally listed at $275,000 and now offered at $250,000.
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Low-maintenance living at The Retreat with direct access to the Monon Trail. This 2-bedroom, 2-bath condo has 1,650 square feet, a 2-car garage, granite and stainless kitchen, covered balcony, plus community pool, clubhouse, fitness center, tennis and pickleball.
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A remodeled 3-bedroom home sitting on a hard-to-find .62-acre lot with NO HOA. The roof and HVAC are approximately two years old, and the home also has newer flooring, appliances, water heater, sump pump and dishwasher.
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Located in Brownsburg Schools, this one-owner home gives you 4 bedrooms PLUS a main-level office PLUS a large upstairs loft. Granite counters, stainless appliances, no carpet, a wood-burning fireplace, and newer furnace, AC and water heater make this one worth a look.
The best time to buy isnโt necessarily when the interest rate is the lowest. Sometimes itโs when you have the most leverage.
Right now, buyers may be able to negotiate things that were almost unheard of a few years ago.
Lower purchase price.
Seller-paid closing costs.
Rate buydowns.
Repairs.
Possession terms.
And most importantly, less competition.
If youโve been sitting on the sidelines waiting for the โperfectโ time, it may be worth taking another look.
๐ฒ Call Mr. Hendricks County
Tony & Toni | Janko Realty Group
317-430-1608
Dedicated. Experienced. Professionals
