The Market Is Changing — Should I buy? Should I sell? I’m confused!

1: Why am I buying?

Forget the economy for a moment. Let’s talk about you.

Maybe you want a better school district for your kids.

Maybe you’re tired of renting and having your future in a landlord’s hands.

Maybe you want space for a new baby, or aging parents, or your health needs a single-level home.

Maybe it’s time to put down roots and stop wondering if you’ll be asked to move in 60 days.

These are human reasons. Real reasons. Life reasons. And they don’t change just because the Fed makes a policy shift or interest rates tick up or down.

Owning a home isn’t just a financial move—it’s often an emotional milestone. And acknowledging that is not weakness, it’s wisdom.

2: How long will I be living in this home?

Your time horizon matters more than the market cycle.

If you plan to live in the home for 5 to 10 years or more, market ups and downs tend to flatten out. Real estate is cyclical, and most cycles—from peak to dip to recovery—run their course in under a decade.

Ask yourself:

Will my job keep me here?

Are my kids settled in school?

Is my family situation stable?

Is this a place I want to build life around?

If the answer is yes, then your timeline might outweigh the timing of the market.

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3: How do I make this home affordable?

The key word is affordable now—not in two years, not “if rates drop.” Now.

Don’t gamble on future interest rate cuts or salary increases. Instead, look at the monthly payment as it stands today. Could you comfortably make that payment?

Here’s a powerful idea: some buyers test out the commitment by adding the difference between their rent and projected mortgage into a savings account for a few months. That’s how you find out what it feels like to write that check—before it’s real.

Then, work with a truly knowledgeable mortgage advisor. Not a friend-of-a-friend or someone from the gym—but someone who understands permanent interest rate buydowns and how to structure a mortgage that fits your life, not just your pre-approval.

Finally, find a real estate agent who isn’t just chasing a commission. Find someone who will negotiate on your behalf, even if that means writing six offers until you find a seller willing to help with closing costs or interest rate buydowns that make the home affordable long-term.