Why Now Might Be the Smartest Time to Buy a Home

“I’ll just wait for interest rates to drop.”
Sound familiar?

It’s a common thought in today’s market—but one that could backfire. Here’s why now might actually be the smartest time to buy.

1. Less Competition = More Negotiation Power

When buyer demand is lower, sellers are often more flexible. You may be able to negotiate on price, closing costs, or even ask for repairs and concessions.

2. More Inventory Choices

Many markets—Austin included—have more active listings than last year. That means more choices, less pressure.

3. You Can Refinance Later

Yes, mortgage rates are higher than they were during the pandemic. But buying now locks in your home—and if rates drop, you can refinance later.

4. You Start Building Equity Sooner

Waiting might feel safe, but it delays your opportunity to build equity, stabilize your housing costs, and invest in your future.

5. Trying to Time the Market Rarely Works

The best time to buy is when you are ready—financially and emotionally—not when the market is “perfect.”

Bottom Line:
If you're thinking about buying, let's talk about how to make today’s market work for you—not against you.