“Should you wait for rates to drop?” I get this question almost every single day. And after 10 years in real estate, here’s what I’ve consistently seen: when interest rates finally dip, everyone rushes back into the market at the same time. That instant flood of buyers drives competition up fast—and when competition increases, so do home prices.
What many buyers don’t realize is that waiting for a lower rate doesn’t always mean you’ll end up with a lower payment. Sure, the rate might be better, but if you’re paying $30,000, $40,000 or $100,000 more for the same home because of bidding wars, it can cancel out your savings or even cost you more. And don’t forget: you can always refinance later if rates drop. But you can’t go back in time and buy at today’s price once the market heats up.
Timing the market perfectly is nearly impossible. The smartest move? Know your numbers. Understand what monthly payment fits your lifestyle, what price range gives you room to grow, and what it would look like to buy now versus wait.
If you’re on the fence, let’s take the guesswork out of it. I’ll create a simple, side-by-side breakdown of today’s scenario versus a possible future one so you can make the best long-term decision for your goals. Just reach out—I’ll help you run the numbers and move forward with total confidence.
I’m Tanja Odzak, Realtor with eXp Realty. I help people sell and buy homes right here in the East Bay! With over $90 Million in homes sold and a decade of experience, I know how to help you win in any market. Call me today and let’s get you going!
I’m a Top Producing Realtor® in the OAKLAND / BERKELEY / EAST BAY AREA. I’ve been in the San Francisco East Bay Area since I came up to do my undergrad at UC Berkeley (a long time ago!), with a short stint at UC Davis while getting my Master’s. I take my duties as a Realtor® and Fiduciary very seriously, I enjoy educating my sellers and buyers along the way. Putting People, Before Profit.
Why not check out one of my no-obligation, online, On-Demand, virtual Real Estate Seminars?
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