MARRY YOUR HOME, DATE THE RATE: Why Buying or Refinancing Now Makes Sense

What did you just say, Jeff? Now is the time to purchase a home? Now is the time to refinance even though rates have gone up? You are crazy!

Well… maybe for other reasons, but not for these two.

Let’s break down what’s happening in the market and why buying a home or refinancing could be a great option for you right now. Maybe not for everyone—but maybe for you.

Purchasing a Home: No, There’s No Housing Bubble

There will be no housing bubble like 2007-2008.

I wrote about this back in February. Here’s why:

• In 2007, there were almost 4 million homes for sale.
• Today, there are less than 1 million, and 430,000 are already under contract.
• New home construction is down, and permits for new builds are declining.

Why Does This Matter?

• Home prices will continue to rise 7-10% annually for the next five years.
• The average home stays on the market for just 19 days.
• Waiting to buy could cost you thousands.

Example:

• Today’s home price: $500,000
• In two years, that same home may cost $575,000 or more.
• More buyers will be chasing after the same limited inventory.

OR…

• Buy now, gain $75,000 or more in equity, and refinance when rates drop.

You Don’t Need 20% Down

• 72% of people think they need 20% down to buy a home. That’s false.
• $0 down (VA loans)
• 3.5% down (FHA loans)
• 5% down (Conventional loans)

Houses are too expensive to wait until you have 20% down. You don’t have to.

Remember: YOU MARRY YOUR HOME, YOU DATE THE RATE.

Refinancing: A Smart Move for Your Financial Health

Now you’re really crazy.

Here’s why:

• Credit card debt in the U.S. is at an all-time high.
• The average credit card interest rate is 25% or higher.
• Many families are feeling financially squeezed by:
• Kids
• College tuition
• Insurance costs
• Student loan payments restarting

The Reality

• Nearly 10% of people under 40 have used up their savings and are delinquent on payments.

How Refinancing Helps

• Use your home’s equity to eliminate high-interest debt and regain financial peace of mind.
• Your mortgage rate may go up slightly, but what really matters is what’s in your bank account.

Example Savings from Recent Clients:

• Saved $800 per month
• Saved $1,200 per month
• Saved $2,100 per month

Imagine having an extra $20,000–$45,000 in your bank account after 24 months.

Two years from now, you can refinance again and save even more.

Because YOU MARRY YOUR HOME, YOU DATE THE RATE.

Recap: Why You Should Consider Buying or Refinancing Now

• Buying a home means securing an appreciating asset.
• Home prices will keep rising for the next five years.
• More buyers will enter the market, increasing demand and prices.
• You don’t need 20% down—flexible loan programs help you buy smart.
• Refinancing today can save you money, lower stress, and give you financial peace of mind.

Call your trusted lender today. The call is free—the results may be priceless.