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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The ROAD to Housing Act is now federal law, but here’s the important part if you’re buying or selling a home: most of these changes are not going to transform the housing market overnight. The law became effective July 11, 2026, and includes more than 50 provisions aimed at increasing housing supply, improving financing, and addressing affordability. For buyers and homeowners in Northern Virginia and the Eastern Panhandle of West Virginia, a few pieces are […]
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