10/08/2026
āWait for rates to dropā is not a homebuying strategy.
We totally understand wanting to wait until rates go down, but rates arenāt the only thing that matters when deciding when to buy.
Right now, buyers may have something they didnāt have before: more inventory, less competition, homes sitting longer, and more negotiating leverage.
And that negotiating power? It could create an opportunity to ask for a seller concession toward a 2/1 temporary buydown.
That means:
ā¬ļø Year 1: Payment based on a rate 2% lower
ā¬ļø Year 2: Payment based on a rate 1% lower
š” Year 3+: Payment returns to the full note rate
Instead of only asking, āWhen will rates come down?ā it may be worth asking, āWhat opportunities do I have to get into a home right now?ā
š² DM me and letās look at the numbers for your situation.