By Bruce Singer, Senior Loan Officer – NMLS #197960 | Vision Home Mortgage – NMLS #357565 | Cell: 702-217-5525

1. Home Prices Are Still Rising

While many buyers are holding off for lower rates, home values in most markets continue to climb. Waiting 6–12 months could mean paying more for the same home—even if rates drop slightly. Buying now allows you to start building equity immediately rather than chasing higher prices later.

2. You Can Refinance When Rates Fall

Remember: You marry the home, but date the rate. If rates go down next year, you can refinance. If home prices rise, though, you can’t “refinance” the price you pay. Getting into a home now lets you lock in your property before the next wave of buyers enters the market.

3. Less Competition = More Negotiating Power

Right now, many buyers are sitting on the sidelines. That gives active buyers more leverage to negotiate better prices, seller credits, or closing cost assistance—advantages that could disappear once rates begin to fall and demand surges again.

4. Rental Costs Are Increasing Too

Renters are feeling the pinch of rising monthly payments, often with no equity to show for it. Buying now means turning your monthly payment into an investment in your own future—not your landlord’s.

5. Stability, Security, and Tax Benefits

Owning a home gives you stability—both emotionally and financially. You can lock in your monthly payment (with a fixed-rate loan), enjoy potential tax deductions, and create a lasting foundation for your family’s future.

Ready to explore your options?

Let’s talk about what makes sense for your goals and budget today.

Bruce Singer
Senior Loan Officer – NMLS #197960
Vision Home Mortgage – NMLS #357565
Cell: 702-217-5525