The Best Time To Buy a Home in 2026 May Be Just Around the CornerIf buying a home is still on your 2026 to-do list, fall could bring some welcome opportunities.Mortgage rates remain an important
Dated: September 23 2026
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When home affordability is tight, waiting for mortgage rates to drop can seem like the safest strategy. But waiting comes with its own risks, especially when rates and home prices can move in either direction.
In fact, 41% of buyers who waited say they wish they had purchased sooner.
Mortgage rates are influenced by inflation, economic conditions, financial markets, and global events. That makes trying to perfectly time the market incredibly difficult. A lower rate later isn't guaranteed, and other parts of the housing market could change while you wait.
That doesn't mean you should rush to buy a home today.
The better approach is to buy when the numbers, monthly payment, and timing make sense for you.
Before putting your home search on hold, talk with a trusted mortgage lender. Ask what you qualify for today, what could improve your rate, and how different rate scenarios would affect your monthly payment.
Knowing your options gives you something much more useful than guessing where mortgage rates will go next.
The foundation of a farm life shaped Nick Flerlage more than almost anything else in his life. He grew up on a tobacco farm in rural Southern Maryland, the youngest of five children. His Dad was a....
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