Blog Post
July 3, 2026
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July 3, 2026
Why Waiting for Lower Rates and Lower Home Prices Could Cost You
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Waiting for mortgage rates and home prices to fall at the same time?
This week weakened the case for that strategy.
Rates gave back some of last week’s improvement after hawkish Fed comments pushed Treasury yields higher. Then Thursday’s jobs report came in softer than expected, with 57,000 jobs added versus 110,000 forecast and prior months revised lower.
Combined with oil below $68 a barrel, that could help mortgage rates over time. But any improvement may be gradual, and home prices may not wait.
Three national reports showed home values still rising modestly, with annual growth ranging from roughly 1% to 2%.
Prices aren’t surging, but they aren’t broadly falling either.
That is the challenge for buyers on the sidelines. Rates may improve later while home prices keep moving higher. Or prices may soften in a market where rates do not cooperate.
Waiting only works if the future payment savings outweigh the higher price you may pay along the way.
The better move is to know what payment works for you, understand your options, and be ready when the right home appears.
Reach out, and we’ll help you compare the numbers without the guesswork.
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Source: Keeping Current Matters
The information contained, and the opinions expressed, in this article are not intended to be construed as investment advice. Keeping Current Matters, Inc. does not guarantee or warrant the accuracy or completeness of the information or opinions contained herein. Nothing herein should be construed as investment advice. You should always conduct your own research and due diligence and obtain professional advice before making any investment decision. Keeping Current Matters, Inc. will not be liable for any loss or damage caused by your reliance on the information or opinions contained herein.
Keeping Current Matters is a trademark of Keeping Current Matters, Inc. CrossCountry Mortgage, LLC; its subsidiaries; and its affiliates have not been authorized, sponsored, or otherwise approved by Keeping Current Matters, Inc. or any of the above-mentioned companies.
