Waiting for lower mortgage rates can sound like a smart strategy. After all, a lower rate can reduce your monthly payment and borrowing costs. But there is one problem: the rate you might get later is only one part of the equation. While you wait, home prices, inventory, competition, your savings, and your own financial situation can change too. A recent AD Mortgage study looked at 23 years of housing data to see what historically […]
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Housing is expensive. Mortgage rates are higher than they were in early 2020. Home prices climbed fast. That much is true. But the full story is more nuanced. The latest housing market data for 2026 shows several trends moving in a better direction. Before making a major financial decision based on headlines or social media, here’s what the numbers actually say. Mortgage rates still matter more than almost anything else when it comes to your […]
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