Why Time Is Your Greatest Ally in Buying a Home

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Let’s be honest — the housing market can feel unpredictable. Rates move. Prices fluctuate. Inventory shifts. It’s tempting to wait for “the perfect time.”

But here’s the truth: time is your greatest asset when it comes to building wealth through real estate.

At Stairway Mortgage, we’ve helped hundreds of buyers realize that the smartest move is often now — not later. Here’s why.

1. Home Prices Tend to Rise Over Time

Even with market ups and downs, home values historically trend upward.
 That means the longer you wait, the more you’ll likely pay — not just in price, but in interest, taxes, and insurance.

Buying sooner means locking in today’s value — and starting the wealth-building clock earlier.

2. Interest Rates Are Unpredictable

Rates don’t always wait for your timeline. They’re impacted by inflation, market volatility, Fed policy, and global economics.

Even a 1% increase in rate can cost you tens of thousands over the life of your loan.
 Delaying “to save up” might actually cost you more in the long run.

3. Renting Costs You Every Month

Every rent check you write is helping someone else pay off their mortgage — not yours.

Homeownership allows you to:
 • Build equity automatically
 • Lock in your monthly payment
 • Potentially benefit from tax advantages

The sooner you buy, the sooner those benefits start stacking in your favor.

4. Opportunity Favors the Prepared

The best buyers in the market are the ones who are preapproved and ready to strike when the right home shows up.

When you’ve already done the groundwork with Stairway, you’re positioned to act fast — and win the deal — when others are still calling their bank.

5. You Don’t Need “Perfect Timing” — You Need a Plan

You’ll never time the market perfectly. But with the right strategy, you don’t have to.

Stairway helps you:
 • Secure a smart rate
 • Choose a flexible loan structure
 • Plan for future refinancing or upgrades
 • Buy confidently when the time is right for you

Ready to Take Your First Step?

Skip the guesswork. Take our quick Discovery Quiz to uncover your top financial priorities, so we can guide you toward the wealth-building strategies that fit your life.

  • 💡 Takes just 5 minutes
  • 📊 Tailored results based on your answers
  • 🔒 No credit check required
Take the Discovery Quiz

Need a Pre-Approval Letter—Fast?

Buying a home soon? Complete our short form and we’ll connect you with the best loan options for your target property and financial situation—fast.

  • 💡 Only 2 minutes to complete
  • 📊 Quick turnaround on pre-approval
  • 🔒 No credit score impact
Get Pre-Approved Now

Got a Few Questions First?

Let’s talk it through. Book a call and one of our friendly advisors will be in touch to guide you personally.

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