I get it—waiting for interest rates to drop feels like the smart move.
But here’s what I’m seeing from the mortgage side…

When rates dip, demand surges. Suddenly, buyers lose their edge—offers go over asking, seller credits disappear, and monthly payments still climb because home prices spike.

That “better deal” you were hoping for? It usually costs more in the long run.

Meanwhile, my 2025 clients are locking in homes at lower prices, negotiating closing cost credits, and using seller-paid rate buydowns to make their payments more affordable today.

Yes—rates matter.
But the monthly payment? That depends on price, leverage, and strategy.

Smart buyers are getting in now, customizing their loan to fit their budget, and refinancing later if the numbers make sense.

Curious what this could look like for you? Comment “PLAN” and I’ll show you your options with today’s rates, prices, and payment strategies.

— April Hutchins, a Texas mortgage broker helping clients win on price and payment

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