Video
October 10, 2025
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October 10, 2025
Why Waiting to Buy a Home Could Cost You
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The government shutdown has done little to shake the housing market. Conditions remain steady, creating a window for buyers who are ready to act before things heat up again.
Job growth has slowed and inflation is stable, leading many to expect another Fed rate cut soon. When that happens, prices will likely rise as competition returns. Every time affordability improves, home values tend to climb.
For homebuyers, the key isn’t waiting for the perfect time or the perfect home. It’s getting into the market and letting equity build over time. Buy a home you can afford, hold it for a few years, and let real estate work in your favor.
The quiet market won’t last. The buyers who act now will look back and be glad they did.
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The information contained is the viewpoint of the presenter(s). Individuals should consult their own financial representative.
Estimated Mortgage Payment is for exemplary purposes only. Contact a licensed loan officer for exact numbers and APR. Additional rates and terms may apply and are subject to change without notice. Loan scenario assumes a purchase price of Zillow's list price and a 10% down payment. Points and fees not included. Property tax, homeowners insurance, mortgage insurance, and HOA fees are approximate and may vary. Other fees may apply. Product displayed is a conventional 30-year fixed rate mortgage using the current average rate as shown on Mortgage News Daily (mortgagenewsdaily.com).
Estimated Qualifying Income assumes a homebuyer has a FICO score above 740, no other credit debt, and a debt-to-income (DTI) ratio of 43%.
For exact numbers and APR or to run a loan scenario based on your own credit and income, contact our office at (858) 259-8700.
Rate Source: Mortgage News Daily. Rates displayed are approximate, subject to change, and do not necessarily reflect rates available to you. MND’s methods involve an objective component based on lenders' raw prices as well as a subjective impression from their network of originators. For more information about how these rates are calculated, visit www.mortgagenewsdaily.com/mortgage-rates/about.
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