Why Waiting for Lower Rates Could Cost You More in the Long Run

Lately, everyone’s been talking about mortgage rates—and yes, they matter. But let’s shift the conversation to something just as important, if not more powerful: home appreciation.

Here’s a stat that might surprise you:
Since 1991, U.S. home prices have appreciated at an average rate of 4.4% annually.

Now, what does that really mean for you?

Let’s break it down with a simple example:

Imagine you’re eyeing a $500,000 home today.
With a 4.4% annual appreciation rate, that same home could be worth approximately $569,000 in just three years.

That’s nearly $70,000 in equity—earned just by owning the home and letting time do its thing.

So, Should You Wait for Rates to Drop?

Here’s the thing: mortgage rates may eventually come down—but home prices will likely keep going up.

If you’re waiting for that perfect rate, you could end up paying a lot more for the same property down the road.

That dream home you’re holding out on? It could cost tens of thousands more if you wait.

A Smart Strategy: Buy Now, Refinance Later

You’ve probably heard the phrase: "Date the rate, marry the home."
Here’s why it works:

• Buy now, while home prices are still within reach.

• Start building equity as appreciation works in your favor.

• Refinance later when interest rates improve.

It’s a long-term play—and one that many successful homeowners have used to build serious wealth over time.

Real Estate Is a Long-Term Investment

Trying to time the market perfectly is nearly impossible. Instead, focus on the bigger picture:
building wealth, gaining stability, and investing in your future.

Don't let today's rates keep you on the sidelines. With the right strategy, you can still make a smart move—and I’m here to help you every step of the way.

Let’s connect and start your journey toward homeownership today.
Your future self will thank you.