Deciding whether to buy a home now or wait can feel overwhelming. With so many market factors at play and your personal needs evolving, it’s tempting to try and time the market perfectly. But experts agree: time in the market outweighs timing the market.
Here’s why buying now – if it’s financially feasible – can have long-term benefits.
Building equity starts the moment you buy a home.
As Lawrence Yun, Chief Economist at the National Association of Realtors (NAR), says:
“Are we going to go back to 4%? Per my forecast, unfortunately, we will not. It’s more likely that we’ll go back to 6%.”
This means your wealth grows over time as home prices rise. Waiting may cost you these potential gains.
Fannie Mae’s Home Price Expectations Survey (HPES) gathers forecasts from economists, real estate experts, and strategists. Their latest projections show home prices continuing to rise through 2029, albeit at a more sustainable pace.
What does this mean for you? Let’s consider an example:
Imagine buying a $400,000 home in January 2025.
By 2030, based on HPES projections, you could gain over $83,000 in equity.
That’s money you’re losing if you choose to rent instead.
While the market has its hurdles, there are creative strategies to make your purchase possible:
Explore affordable areas.
Consider condos or townhomes.
Utilize down payment assistance programs.
A real estate professional can help you navigate these options to achieve your goals.
If you’re delaying solely to time the market perfectly, you risk losing out on years of potential equity. This wealth-building opportunity is significant and grows over time.
Buying a home isn’t just about today’s challenges; it’s about long-term benefits. Let’s connect to explore your options and build a strategy that aligns with your financial goals.
Looking to buy in Atlanta, Georgia? Contact me, Nadine Lutz, today to start your journey. Call 770-713-5449, visit nadinesellsatlanta.com, or follow me on Instagram at @nadinesellsatlanta to guide you through the process, helping you make a smart investment for your future.
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