09/23/2026
🏡 SHOULD I BUY NOW OR WAIT?
Today’s rates are only one piece of the homebuying equation — and there can be some real advantages to buying in the current market.
Sellers are more willing to work with buyers right now. That can mean negotiating seller concessions to help cover closing costs or using those credits to buy down your interest rate.
And that can make a BIG difference.
For example, negotiating $10,000 off the purchase price may only make a relatively small difference in your monthly payment. Using that same $10,000 strategically toward closing costs and/or a rate buydown could potentially have a much bigger impact on your monthly payment and cash needed at closing.
And remember — the rate you get today doesn’t necessarily have to be the rate you keep forever. If rates come down in the future, refinancing into a lower rate may be an option.
So instead of only asking, “Can I get the seller to lower the price?” let’s look at how we can structure the deal to make your money work harder for you.
Want to learn more? Call or text me at 845-721-3724, or DM me right here. I’m always happy to answer questions and run the numbers for you.
https://myoc.io/o4b0i15wbn
