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With economic headlines, global events, and near constant talk about affordability, you may be wondering if this is the right time to move. But here’s what you need to remember.
While recent events do have some impact on the housing market, they don’t take buying off the table. You just have to use a different strategy.
After trending down for most of 2025, mortgage rates have been higher again for over roughly a month now. And experts say it’s a result of what’s happening overseas and in the broader economy. As Mark Fleming, Chief Economist at First American, explains:
“Mortgage rates have recently moved higher, driven by geopolitical uncertainty and rising energy costs that are contributing to inflation concerns.”
But what does that really mean for you? Should you wait for everything to settle back down before you buy a home?
The short answer is no. You don’t have to wait.
It’s true that a month or so ago, when rates were just shy of 6%, buying felt a bit more affordable. And now that rates are hovering around the mid-6s, monthly payment costs are higher.
But zoom out for a second.
Let’s say you’re taking out a loan for $500k. Even with rates in the mid 6s, you’re still saving roughly $300 on your monthly payment compared to buyers who made their purchase early last year.
That means this recent increase in rates hasn’t erased the progress we’ve seen. Buying is still more affordable than it was just one year ago (see below):
Sure, your monthly payment would’ve been a little less expensive a few weeks back. But hindsight is always 20/20.
The goal moving forward shouldn’t be to perfectly time the market. Things change too quickly for that. Instead, the real goal is to make the best decision you can based on where things are today. And the best advice anyone can give is: brace for volatility.
Mortgage rates are going to continue to be move around in the weeks or months ahead as new information and economic reports come out.
Try to remember, you can’t control global events or where rates go next week (or even next month). But you can control how you prepare. If you do that, it becomes less about the headlines, and more about your situation.
The simple truth is, if you want or need to move, you still can.
Some buyers are choosing to move forward right now because their needs haven’t changed. A growing family, a job relocation, a lifestyle shift – those things still matter.
And for buyers who do decide to move forward, there are ways to make it work.
For example, you could explore options like adjustable-rate mortgages (ARMs) to get a lower rate upfront. That may or may not be the right fit for you, but it highlights an important point: there are strategies that can help you move, even now.
And working with the right agent and lender is a big part of that. With expert help, you’ll:
Understand your budget and what the math looks like at today’s rates.
Explore your financing options, including ARMs and assistance programs.
Have trusted guidance from experts who’ll keep you up to date throughout the process.
Even though there’s some uncertainty, that doesn’t mean you’re out of options.
If you need to move, you still can. Connect with a trusted agent and lender so you can explore all your options and make your move happen.
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For our wonderful customers who cherish family moments and sibling bonds: Happy Siblings Day! Whether near or far, siblings share a unique connection that shapes who we are. Take a moment to reach out, share a laugh, or remember a favorite memory today! ???? #SiblingsDay #FamilyLove #CherishMoments #Togetherness #SiblingBond
Lake Eola — Orlando investors Approved with bank statements or assets if needed Navigating Orlando’s real estate market can be complex, but DSCR mortgage programs make it easier for investors to qualify without personal income verification. Unlike conventional loans, these programs focus on the property’s income potential, helping you secure approval swiftly. In Orlando’s vibrant market, this means you can act faster and with confidence. Discover how to leverage DSCR loans for your next investment and move ahead while others wait. Link in bio. Get a rate quote — no personal info. #OrlandoRealEstate #DSCRMortgage #InvestmentProperty #RealEstateLoans #FidelityHomeGroup
If you’ve been looking for a home lately, you’ve probably felt how tough affordability still is. And that’s exactly why more buyers are opting for adjustable-rate mortgages, or ARMs.
Here’s what you need to understand about how they work, and whether they make sense for you.
Since a lot of people aren’t familiar with this type of loan, let’s start with a definition. This is how Business Insider explains the main difference between a fixed-rate mortgage and an adjustable-rate mortgage:
“With a fixed-rate mortgage, your interest rate remains the same for the entire time you have the loan. This keeps your monthly payment the same for years . . . adjustable-rate mortgages work differently. You’ll start off with the same rate for a few years, but after that, your rate can change periodically. This means that if average rates have gone up, your mortgage payment will increase. If they’ve gone down, your payment will decrease.”
Basically, one doesn’t change much over the life of your loan.
And one could change… either by a little, or a lot.
Of course, things like taxes or homeowner’s insurance can still have an impact on a fixed-rate loan, but the baseline of your mortgage payment is fairly steady. But the big difference is that with an ARM, your monthly payment could change over time.
So, why do some buyers choose this option? It’s simple. It’s because of the upfront savings. Business Insider explains it like this:
“Because ARM rates are typically lower than fixed mortgage rates, they can help buyers find affordability when rates are high. With a lower ARM rate, you can get a smaller monthly payment or afford more house than you could with a fixed-rate loan.”
And right now, according to Mortgage News Daily and the Wall Street Journal, the upfront rate on an ARM is lower than a 30-year fixed mortgage (see graph below):
If you’re wondering how that shakes out in real dollars and cents, here’s what Redfin says. According to their research, the typical buyer could save about $150 per month by taking out an ARM instead of a 30-year fixed mortgage.
For some people, that’s enough to make a difference.
A growing number of buyers are willing to trade the uncertainty later for a lower payment now. Data from the Mortgage Bankers Association (MBA) shows the share of buyers choosing ARMs has increased, especially over the last few years (see graph below).
This doesn’t mean ARMs are becoming the go-to option for everyone. It only means some buyers are opting for this type of mortgage, so they can still buy today.
And if you remember the housing crash, seeing ARMs gain popularity again may raise concerns. But rest easy. Today’s ARMs aren’t the same.
Back then, some buyers were given loans they couldn’t afford once rates adjusted.
Today, lending standards are stricter, and lenders evaluate whether borrowers could still handle the payment if rates rise. So, the return of ARMs doesn’t signal another widespread crash. It just reflects how some buyers are adapting to today’s affordability challenges.
If you’re considering an adjustable-rate mortgage yourself, just remember it really all depends on your situation and your risk tolerance.
An ARM may make sense if you plan to move before your rate would adjust or if you expect you’ll make a higher income in the future. But there are trade-offs you need to think through.
For example, once the fixed period ends, your rate can adjust, and your payment could increase, potentially by a meaningful amount depending on where rates are at that time.
And keep in mind, there’s also no guarantee mortgage rates will come down in the future, which means refinancing later isn’t always an option. That’s why it’s important to think through your plan, understand your long-term earning potential, and work closely with a trusted lender before you choose an ARM.
ARMs are getting more attention again because they can make buying a home more affordable in the short term. But they’re not right for everyone.
The key is understanding how they work, what the risks are, and whether they fit your plan. And that’s why you need to talk to a trusted lender and financial advisor before you make any decisions.
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• Owning a home means upfront costs, more work, and long-term commitment. • Build equity instead of paying someone else’s mortgage by preparing finances and budgeting for taxes, insurance, and maintenance. • Get pre-approved and hire an experienced agent to navigate paperwork and the process smoothly. Learn more about First-Time Buyer programs here: https://www.fidelityhomegroup.com/first-time-home-buyer-mortgage-programs/ Reach out if you want guidance tailored to your city. What city are you buying in? Share below! ? ? Link in profile #FirstTimeHomeBuyer #FirstTimeBuyerMortgage #HomeBuyingTips #RealEstateInvesting #FidelityHomeGroup
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