Why Now Is the Best Time to Buy a Home—Before Rates Drop

Don’t Wait to Buy — Buy Before the Crowd Comes Back

It’s tempting to sit on the sidelines and wait for mortgage rates to drop. After all, a lower rate means a lower monthly payment, right?

Not exactly.

If you wait, you might win on interest—but lose on everything else.

🧠 Here’s What Buyers Are Getting

Right Now:

• Seller concessions to cover closing costs or interest rate buydowns

• Builder incentives like appliance packages, upgrades, or cash at closing

• Lender credits that help reduce out-of-pocket costs

• Room to negotiate price, repairs, and timelines

In today’s market, sellers are willing to deal. That disappears the moment demand spikes.

🏡 When Rates Drop, Here’s What Happens:

• Multiple offers come back

• Prices rise

• Sellers stop giving concessions

• Builders scale back their credits

• You lose negotiating power

And here’s the catch:

You can only negotiate once. Once you lock in the price and terms, that’s it.

But your rate? You can always refinance when the time is right.

That’s why smart buyers follow the rule:

👉 “Marry the house, date the rate.”

📉 A Real-World Example:

Let’s say you buy a $450,000 home now and get the seller to:

• Cover $10,000 in closing costs

• Drop the price by $15,000

• Include a $7,000 interest rate buydown

If you wait for rates to drop by 1%, that home may cost $500,000+ with zero incentives—and you’ll be competing with 20+ other buyers.

🏁 Final Thought:

If the home is right, the time is right. Don’t wait for the crowd to return.

This is your window to buy smart.

✅ Let’s Find a Deal While There’s Still Room to Negotiate

📲 Call/Text 435-327-5545 or start your search at TreasuredProperties.com