If you’ve been asking yourself whether you should buy a home now or wait for interest rates to drop, you’re not alone. Many buyers are sitting on the fence, wondering if prices or rates will come down further. But according to Stephen Christie of Christie Realty Group, waiting may not be the smartest move.

In fact, today’s real estate market presents a unique opportunity for buyers who are ready to act. Here’s why.

Why Today’s Market Favors Buyers

For the first time in years, there’s more inventory available. That means more homes to choose from and less competition when you find the right one. This shift has created a true buyer’s market, where you can negotiate not just on price, but also on favorable terms.

It’s a rare window where buyers have the upper hand, but it won’t last forever.

What Happens If You Wait

Many people are holding off, believing that lower rates are just around the corner. But here’s the catch: when interest rates do come down, buyer demand will surge.

That means:

• More competition

• Multiple offers

• Higher home values

In other words, you could save slightly on your monthly payment in the future, but pay much more for the house itself.

The Smart Buyer’s Strategy: Buy Now, Refinance Later

Stephen Christie recommends a practical approach: buy now while values are more favorable, then refinance later when rates drop.

This way, you win on both sides:

• Today’s benefit: Get a better price and negotiate favorable terms.

• Tomorrow’s benefit: Refinance to lower your monthly payment when rates ease.

It’s a strategy that allows buyers to lock in value now and secure long-term savings later.

Final Thoughts

Real estate is always changing, but one thing is certain: buyers who act strategically come out ahead. Waiting on the sidelines could mean missing out on the best opportunities available right now.

If you’re considering making a move, the team at Christie Realty Group is here to guide you through every step of the process. From finding the right home to negotiating the best deal, our agents are ready to help you win in today’s market.

📲 Ready to start your home search? Contact Christie Realty Group today and let us help you find the right home at the right value.