Should You Wait to Buy a Home If Mortgage Rates Might Drop?

Erin Barrows

Published on: 02/09/2025

What’s Behind the Mortgage Rate Uncertainty? As of early September 2025, mortgage rates are hovering around 6.7% for a 30-year fixed loan. While that’s down from the peaks seen in late 2023, it’s still significantly higher than the ultra-low rates homebuyers enjoyed just a few years ago. Many buyers are now facing a tough decision: Should they buy a home now, or wait in hopes that mortgage rates will drop further? That question doesn’t have a one-size-fits-all answer—but understanding the current rate environment, inventory challenges, and the true cost of waiting can help you make a more confident decision.

Mortgage

Can AI Tools Help Answer Mortgage Questions and Afford Housing?

Erin Barrows

Published on: 02/09/2025

The Rise of AI in Real Estate and Mortgages Artificial intelligence is rapidly transforming the housing industry, especially for buyers navigating the complex world of mortgages. From virtual assistants to smart calculators, AI tools are helping consumers demystify the loan process, compare mortgage rates, and even forecast affordability in real-time. But with rising home prices and persistent affordability challenges, many are wondering: can AI actually help you afford a home—or just explain why you can’t?

Mortgage