As someone who’s spent years guiding clients through the ups and downs of mortgage lending, I understand how challenging it can be to decide when to buy a home—especially with mortgage rates reaching a one-year high at 6.66% and home prices now averaging $440,600 (up 1.8%). Housing supply sits at 4.6 months, making the market feel tight but not impossible. If you’re considering buying now, you’ll lock in home security as prices continue their modest climb. On the other hand, waiting until fall might bring lower prices and less competition. My goal is always to simplify these kinds of decisions, so you can move forward confidently—whether you choose to act now or wait.
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