09/04/2026
Thinking about waiting for mortgage rates to drop?
Here's what most buyers don't realize...
Mortgage rates are actually higher than they were this time last year, and no one knows exactly where they'll go next.
The bigger surprise?
🏦 The Fed doesn't directly set mortgage rates. The bond market has a much bigger influence, which is why rates can move even when the Fed doesn't.
So instead of trying to time the market, focus on what you can control:
✔ Get pre-approved
✔ Know your budget
✔ Explore your financing options
✔ Be ready when the right home comes along
Questions about today's market? Send me a message.