05/29/2026
đĄ Waiting for lower rates might cost more than todayâs rate.
Many buyers are focused on mortgage rates hovering around 6.5%, but theyâre overlooking one of the biggest advantages weâve seen in years: more inventory.
In many Idaho markets, buyers now have:
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More homes to choose from
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Less competition
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More negotiating power
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Increased seller concessions
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Opportunities for rate buydowns and closing cost assistance
Just a few years ago, buyers were competing against multiple offers and waiving contingencies just to get a home under contract. Today, many sellers are willing to negotiate, which can create thousands of dollars in savings.
Remember: You can refinance an interest rate later, but you canât go back and buy the home you missed.