09/20/2026
Everyone is seeing the headlines about interest rates and the Fed. But when you are considering buying a home, the rate alone should not be the entire conversation.
Yes, your interest rate is an important part of determining your monthly payment—but it is not the only part. Your payment can also be affected by:
Property taxes
Homeowners insurance
Mortgage insurance, when applicable
HOA dues
The home price and down payment
Your loan program and long-term financial goals
If you are speaking with someone and the only thing they discuss is the rate, you may not be getting the full guidance you deserve.
“Is now the right time to buy?” is not a question I can honestly answer without first having an in-depth conversation about your goals, your timeline, your family, and what is motivating you to make a move.
The best time to buy has less to do with chasing a specific rate and more to do with whether buying is the right decision for you and your family. Rates can change constantly. Your needs, your opportunity, and the home that fits your life matter just as much.
If you have been thinking about buying but feel nervous because of the economy or what you are hearing about the housing market, give me a call or send me a message. Let’s talk it through and build a plan around your situation—not just today’s headline.
Kenny Nelson
NMLS #856822