If you’re thinking about buying a home, now may be one of the best times in recent memory to make your move. Currently, the average 30-year fixed mortgage rate is around 6.3% in the U.S. market. While that may feel higher than what many people remember, it still offers a strong opportunity compared to historical highs.

Here’s why acting now makes sense. First, locking in a home purchase at today’s rate means you start building equity and benefiting from potential appreciation. If rates were to drop further in the coming months, an even larger pool of buyers would re-enter the market, which could drive demand and push home prices upward. In that scenario, waiting for rate relief could mean you end up paying more for the home itself.

In contrast, if you buy now at today’s rate and a future rate drop occurs, you’re already positioned, either to refinance later or ride the appreciation wave. On the flip side, if you delay and hope for a rate drop, you risk facing higher purchase prices when more buyers flood in, plus fewer available homes as inventory tightens.

Basically, buying now gives you control. You’re securing your financing in the present, entering a market before potential price escalation, and positioning yourself to benefit whatever the future brings. Heading into the home buying process with a trusted real estate advisor ensures you understand your budget, the local market conditions, and the long-term strategy. Ready to explore? Let’s make your home-ownership goals a reality.