03/12/2026
''What if rates drop after I buy?'' It’s one of the most common questions I hear, and it’s a smart one. The good news is you’re not locked in forever. If mortgage rates come down, refinancing can give you the chance to lower your interest rate, reduce your monthly payment, or even shorten your loan term. My focus is helping buyers make strong moves today while keeping future flexibility in mind. Waiting for the ''perfect'' rate can mean missing the right home, but buying smart now means you’re positioned to take advantage of better rates later.