When Is the Best Time to Buy a House?
- By Jim Blackburn
- on
- Buy A House, Conventional Loans, FHA, First-Time Home Buyer, Wealth Building
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.
Want to see the real impact of rate differences? Calculate your Compare 2 Rates (Interest Costs) now to understand how waiting for rates to drop—versus buying now and refinancing later—affects your total costs.
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.
Ready to see what homeownership would cost versus renting? Calculate your Conventional Purchase Loan Payment now to compare your monthly rent against a mortgage payment and understand how much equity you’d be building instead.
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.
If you’re a first-time buyer wondering if now is the right time, explore your options. Calculate your FHA Purchase Loan Payment now to see how low down payment financing makes homeownership accessible—even if you haven’t saved 20% yet.
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 create your personalized plan? Visit our Buy a House page to explore loan programs, understand the process, and take your first step toward building wealth through homeownership.
Ready to Make Time Work for You?
At Stairway Mortgage, we help you stop waiting for perfect timing—and start building wealth today.
📘 Download our homebuyer guides about timing your purchase.
🧮 Compare timing scenarios with our Compare 2 Rates Calculator.
🏠 Start your journey on our Buy a House page.
📊 Check Current Rates to see today’s opportunities.
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
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
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.
Schedule a CallRelated Posts
