05/07/2026
Waiting to buy can feel like the safer move, especially if you’re hoping for lower rates. But when you look at the full picture, it’s not always that simple. As rates come down, more buyers tend to re-enter the market, which can drive up home prices and increase competition.
That shift often means multiple offers, fewer concessions, and less room to negotiate. What you may gain in rate could be offset by a higher purchase price or tougher terms.
Buying now can look different. With fewer buyers in the market, you may have more leverage on price, inspections, and seller credits. And if rates improve later, refinancing is always an option 🔑
At Intra-Mortgage, we focus on guiding you through both scenarios with clear, personalized insight so you can make the right decision for your goals.
Every situation is different, and even if buying a home is a long-term plan, it’s never too soon to start the conversation and build a strategy. If you want to see your exact numbers, we’re here to help. Let’s talk 🏡
