You’re not alone in wondering whether to buy now or wait. Every week, LENDERLINE helps people weigh this same question, and the truth is simple: it depends on your goals.

If you find a home you love and the payment fits your budget, there’s no reason to wait. You can always refinance later when rates ease—something many of our clients do once they’ve built a few months of payment history.

On the other hand, if your budget is already tight, waiting while improving credit or saving a bigger down payment can make sense.

Our Take: Don’t chase the perfect rate—chase the perfect fit. The best time to buy is when you’re financially comfortable and emotionally ready.

Our team can run custom payment scenarios so you know exactly how today’s rates affect your options.