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Four out of five buyers are waiting for mortgage rates to drop before buying a home. But what if waiting actually costs you MORE money than buying today? In this video, I sit down with Daniel Bellomy from Power Lending to run the real math on waiting for lower rates. We cover: ✅ What happens to home prices when rates drop ✅ The true cost of sitting on the sidelines in 2026 ✅ Real payment comparisons: buying now vs. waiting a year ✅ Whether "date the rate, marry the house" actually works ✅ What to do if you can't afford today's payment Daniel and I have worked together on multiple transactions, and my buyers give him rave reviews. He's one of those lenders who picks up the phone, explains things clearly, and finds creative solutions when deals get complicated. If you're thinking about buying in Panama City, Bay County, FL or relocating to Tyndall Air Force Base... or if you've been waiting for the "right time"...this video is for you. 📩 CONTACT ME: Michele Monastra, Realtor® Epique Realty Inc. SheSells850 📧 SheSells850@gmail.com 🌐 SheSells850.com 🎥 YouTube: SheSells850 Specializing in: Military Relocations | Tyndall AFB PCS | VA Loans | Seniors 💼 CONTACT DANIEL BELLOMY: Power Lending | Canopy Mortgage NMLS #1681320 | Branch NMLS #2711527 📧 dbellomy@power-lending.com 🌐https://canopymortgage.nanolos.com/lo... NMLS #1681320 Power Lending is a division of Canopy Mortgage LLC, NMLS #1359687 Equal Housing Lender | www.nmlsconsumeraccess.org --- 🎥 RELATED VIDEOS: 🏠 VA Loan Guide for Tyndall AFB [Link if available] 🏫 Bay County School Choice Explained [Link] 💰 How to Use Your Tax Refund for a Down Payment [Link if available] 📍 Best Neighborhoods Near Tyndall AFB [Link if available] --- 🏡 ABOUT ME: I'm Michele Monastra, a REALTOR® with Epique Realty specializing in military relocations and buyers in Panama City, Florida. As a Military Relocation Professional (MRP) and Florida Military Specialist (FMS), I help families PCSing to Tyndall Air Force Base navigate the home-buying process with clarity, honesty, and zero pressure. I ranked in the top 18% of agents in my market and I'm the #1 producer at my local brokerage; but what matters most is that I focus on education over sales and helping others build wealth over quick transactions. Subscribe for weekly videos on VA loans, Bay County real estate, PCS moves, and honest home-buying advice. --- ⚖️ LEGAL DISCLAIMER: Michele Monastra | Epique Realty Inc. This video is for educational purposes only and does not constitute financial, legal, or tax advice. Always consult with licensed professionals for your specific situation. Daniel Bellomy | NMLS #1681320 | Power Lending, a division of Canopy Mortgage LLC NMLS #1359687 Equal Housing Lender | www.nmlsconsumeraccess.org All loan programs subject to credit and property approval. Rates and terms subject to change without notice. --- 💬 QUESTIONS? Drop them in the comments—Daniel and I both read them! 👍 If this helped you make a more informed decision, give it a like and share it with someone who's been waiting to buy. 🔔 Subscribe for more straight-talk real estate advice every week.