With interest rates still fluctuating, many buyers are asking the same question: should I buy now or wait?

While waiting for lower rates sounds logical, home prices often rise when rates drop due to increased competition. That means buyers who wait could face higher purchase prices—even if their rate improves slightly.

Today’s strategy is different than in past markets. Many buyers are choosing to purchase now and refinance later when rates improve. This allows them to secure a home before prices climb further.

The key isn’t timing the market perfectly—it’s understanding how to move within it strategically.