There’s no sugarcoating it—the 2025 housing market is challenging. Rates remain elevated, prices are sticky, and inventory is still historically low. Many clients are asking the same question: "Sh🏅ould I wait this out?"

My answer: Only🐭 if you have a plan. Because waiting without a strategy is just wishful thinking.

What I'm Telling My Clients

We’re no longer in a market where patience alone pays off. My clients aren’tꦺ just interested in “finding the right time.” They’re preparing to act with clarity, speed, and confidence.

Sellers remain in control, mainly because so many are sitting on ultra-low 澳洲幸运5官方开奖结果体彩网:interest rates they locked in years ago. As a result, in🥀ventory is thin and competitive, especiall𓃲y in the mid-tier market. Even if the Federal Reserve initiates rate cuts, those reductions are unlikely to lower mortgages soon.

This means that if 澳洲幸运5官方开奖结果体彩网:you’re buying this year, you can’t wait for perfection. You have to be ready for the possible. Here are the steps to take.

1. Assess Readiness

First, we assess financial readiness. That means understanding how buyin𒆙g a home will affec🅺t the following:

• True affordability for your budget—not just what a lender will approve.
  
• Your 澳洲幸运5官方开奖结果体彩网:emergency savings and liquidity post-close.
  
• Current credit positioning and debt obligations.
  
• How a new mortgage impacts broader financial goals.

2. Get Your Team Organized

Next, we align your team—realtor, lender, advisor—so decisions can be made quickly. In this market, the buyer who hesitates loses, so having the right suppoಌrt system can speed things up safely and efficiently.

3. Prepare for Different Situations

Finally, we map out scenarios. If rates drop, we refinance. If the right property becomes available mid-year, we’re ready to move. If prices adjust, we reassess. This isn’t about guesswork—it’s about being informed and proactive.

The Bottom Line

2025 homeownership is still within reach, but requires more preparation than ever. The people who succeed in this market won’t be the ones chasing headlines. They’ll be the ones who understand the market, know their numbers, and come to the table with a strategy.