10/15/2026
Mortgage rates can change quickly, but your home search doesn’t necessarily have to stop every time they move.
The better question is:
“What can we change about the deal to make the numbers work?”
Depending on your situation, that might mean negotiating seller credits, comparing a temporary or permanent rate buydown, looking at discount points, changing the down payment, or simply comparing several loan scenarios.
The important part is to run the actual numbers.
And one thing I would not build a purchase decision around: assuming you’ll definitely refinance later.
If you’re considering buying and want someone to walk you through the options, send me a message. I’d be happy to connect you with a lender I trust.