Buying a Home in 2026: Wait for Lower Rates or Act Now? Maryland Market Breakdown скачать в хорошем качестве

Buying a Home in 2026: Wait for Lower Rates or Act Now? Maryland Market Breakdown

Should you buy a house now… or wait for interest rates to drop? This is easily one of the biggest real estate questions in 2026. And the honest answer isn’t what most headlines are telling you. In this video, I break down what’s actually happening in the housing market and how to think about buying in today’s interest rate environment, especially here in Maryland. We cover: • Why “waiting for rates to drop” sounds smart but can increase competition • What happens to home prices when rates fall • The inventory problem affecting markets across Harford County, Baltimore County, and Cecil County • How low 2%–4% mortgage rates are creating “golden handcuffs” for sellers • Why some markets will heat up fast when rates decline • When renting makes sense and when it doesn’t • Why buying is ultimately a math decision, not a headline decision Here’s the reality: When interest rates drop, buyers don’t magically get better deals. They often get more competition. More competition can mean higher prices, fewer negotiations, and multiple-offer situations returning quickly. At the same time, inventory remains tight in many Maryland neighborhoods. Until enough homeowners feel comfortable giving up their ultra-low mortgage rates, supply won’t dramatically expand. That means the decision to buy now or wait isn’t about predicting rates. It’s about: ✔ Your finances ✔ Your job stability ✔ Your timeline ✔ Your long-term plan ✔ Your ability to stay in the home long enough to make the numbers work You can refinance an interest rate later. You cannot go back and buy at yesterday’s price. But if the numbers don’t work for you right now, waiting is not failure. It’s strategy. Real estate is local. Real estate is personal. And this decision deserves more than a headline answer. If you’re thinking about buying or selling in Maryland and want a real conversation based on your situation, not fear or hype, reach out. Let’s build a plan that actually fits your life. 👇 Drop your questions in the comments. I respond personally.