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Why You Should Stop Waiting for the Perfect Housing Market

Writer's picture: URLocalLender The Frater TeamURLocalLender The Frater Team


It’s tempting to wait for the “perfect moment” to make a move in today’s housing market. Maybe you’re hoping mortgage rates will drop, or home prices will take a dip. But here’s the truth: trying to time the market rarely works. Why?


Because there’s no such thing as a perfect market.

No matter when you decide to buy, there will always be advantages and trade-offs. That’s not a bad thing – it’s just reality. Let’s take a look back at the last five years in housing to see what this means.


A Tale of Two Markets: Low Rates vs. More Inventory

Just a few years ago, mortgage rates hit historic lows, and buyers rushed to lock them in. While those buyers scored great rates, the rush created fierce competition. Homes were snapped up quickly, inventory plummeted, and bidding wars sent prices soaring. Sure, those buyers saved on interest, but they had to face other challenges.

Fast forward to today. Mortgage rates and home prices are higher, making it more expensive to buy. That’s the downside. But here’s the flip side: the number of homes on the market is at its highest point in years. More options mean less competition and fewer bidding wars. Once again, there are benefits and trade-offs – just a different set this time.


Why Timing the Market Isn’t the Answer

The truth is, trying to time the market perfectly can leave you waiting indefinitely. If you have a reason to move and the financial means to do so, the key is to focus on making the most of the current market conditions. And that’s where professionals come in.


As Bankrate puts it:

"The complexities of the current conditions mean that, now more than ever, it’s smart to lean on the guidance of an experienced local real estate agent. If you want to enter the housing market in 2025, whether as a buyer or a seller, let a pro lead the way for you."


How a Pro Can Help You Navigate

A trusted real estate agent and lender can help you overcome today’s challenges and achieve your home-buying goals. Here’s how:

  • Creative Solutions with Your Agent: Your agent can help you explore options like smaller condos, homes that need some fixing up, or even expanding your search to new areas.

  • Expert Financial Guidance: Your lender can guide you through loan options, down payment assistance programs, and strategies to make the numbers work for you.


Bottom Line

There’s no such thing as the “perfect time” to move – every market has its pros and cons. The key is knowing how to make the most of the advantages and navigating the challenges with the right help.


If you’re ready to make a move and can afford to do so, let’s connect. With the guidance of a trusted real estate agent and lender, you’ll have the tools and support to make your move possible – no matter the market conditions.

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