Not sure waiting for 2025 is a magic fix, honestly. I mean, last time I waited for rates to drop, prices shot up faster than my caffeine intake during finals week. My spreadsheet's seen more edits than my resume at this point. Sometimes I wonder if locking in now (even if rates are meh) and refinancing later is the real move. Otherwise, it feels like a game of financial whack-a-mole—beat down one problem and another pops up...
Honestly, I hear you on the spreadsheet edits—mine’s a mess too. Timing the market is like trying to catch a greased pig. Sometimes locking in now and refinancing later really does make sense, especially if you find a place you love. No one’s got a crystal ball for 2025... just gotta weigh what feels right for your situation.
Timing the market is like trying to catch a greased pig.
That’s a perfect way to put it. I tried to “wait for the right time” back in 2021, and honestly, I just ended up stressing myself out and second-guessing every rate change. Ended up refinancing last year when rates dipped a bit, and while it wasn’t the absolute bottom, it worked for my budget. Sometimes you just have to make peace with not getting the unicorn deal and focus on what fits your life right now. The spreadsheets never tell the whole story anyway...
Couldn’t agree more about the unicorn deal—it’s like chasing Bigfoot with a butterfly net. I’ve seen folks wait for “perfect” and end up missing out on homes they actually loved. Sometimes good enough is just... enough, especially if it keeps you sane.
Honestly, waiting for that mythical “perfect” deal is how people end up renting forever or stuck in analysis paralysis. I’ve seen clients get so hung up on timing the market that they missed out on years of equity growth. Sometimes you gotta pull the trigger when it feels right—even if the rate isn’t at some magical low.
