Should You Wait to Buy a Home Until Mortgage Rates Drop?

Eric Nearing

Published on: 08/10/2025

At first glance, it seems logical — a lower rate could mean a lower payment. But here’s the bigger picture: when rates drop, more buyers flood back into the market. That extra demand often drives up home prices, sparks bidding wars, and makes sellers less willing to negotiate on repairs or closing costs.

Mortgage

How Serious Is the Current Housing Shortage—and What Enables Buyer Advantage?

Eric Nearing

Published on: 11/09/2025

The U.S. housing market is still defined by one major factor: a shortage of homes. Even as mortgage rates fluctuate, the limited supply of available housing continues to shape affordability, competition, and buyer strategy. But is the shortage as severe as headlines suggest, and what—if anything—gives today’s buyers an advantage?

Mortgage