The Common Objection: “Now’s Not the Right Time”

Whether rates are high, home prices are climbing, or the headlines predict a slowdown, there’s always someone saying: “Wait to buy.” But history tells a different story.

Over the last 80+ years, home values in the U.S. have increased almost every single year. In fact, since 1942, prices have risen in all but seven (7) years—five (5) of which were tied to the housing crash caused by oversupply, something today’s market doesn’t face

➡️ CLICK HERE to see the chart of U.S. home appreciation since 1942 and why values continue to rise.

The Supply and Demand Reality

The truth is simple: we don’t have enough homes.

• For every home listed, there are 7 qualified renters ready to buy.
• Builders can’t keep up with the number of households being formed.
• Supply is short, demand is high — and Economics 101 says that equals higher prices.

➡️ CLICK HERE to view the Household vs Housing Starts chart and see why the housing shortage keeps pushing prices higher.

Why Waiting Costs You More

1. Home Prices Keep Rising

Even when mortgage rates increased, home prices continued to rise due to the supply crunch. Waiting means the home you want today will likely cost you more tomorrow.

➡️ CLICK HERE to see why Home Prices are Climbing despite higher rates.

2. Savings Can’t Keep Pace

Think you’ll save more for a down payment? Home prices are appreciating faster than you can save. Every month you wait, the target becomes further out of reach. Even with only 1.9% growth in 2025 (YTD), home values since 2022 have averaged 4.43% appreciation per year

➡️ CLICK HERE to learn why Saving Longer only Delays Ownership.

3. Missed Equity Growth

Homeowners who bought even a year ago are already ahead, building wealth through appreciation. Every month you rent, you’re building someone else’s equity — not your own.

➡️ CLICK HERE to see how much Equity You’ve Missed out on.

4. Lower Rates Mean More Competition

Many buyers say, “I’ll wait until rates drop.” But when they do, competition explodes. Bidding wars push home prices even higher, wiping out the “savings” you were waiting for.

➡️ CLICK HERE to understand how Waiting for Lower Rates Actually Costs You More.

The Smart Move: Buy Now, Not Later

There’s never been a perfect time to buy a home. But there is always a smart way to buy — and that’s today. With programs like:

• 100% Financing Options – Remove the excuse of “I don’t have a down payment.”
• Seller-Paid Concessions – Cover Closing Costs to Reduce Your Upfront Expenses.
• Fast Track Pre-Underwriting – Make strong, competitive offers and close in as little as 17 days.

Together, these tools and strategies will take the stress out of waiting and put the power back in your hands.

Bottom Line

Every day you wait, affordability slips further out of reach. Prices climb, competition increases, and equity is lost.

Don’t wait for the “perfect time” — it doesn’t exist. The smart time to buy is today.

➡️ CLICK HERE to connect with me and explore your options now.

We’re Here to Help

If you have any questions or need more information about our portfolio loan programs, zero down mortgage options, or affordable home financing solutions, please don’t hesitate to CONTACT ME. My team and I are here to help you every step of the way!

Best regards,

Michael Thayer, CMPS, CMA

NMLS #173264

Cadence Bank, NMLS #410279

** Disclaimer **

The numbers and data presented here are subject to change daily or monthly. This information is provided for general discussion purposes only and does not constitute a formal quote or offer to extend credit. Don't hesitate to contact us directly for a personalized quote based on your financial situation.

Mortgages are subject to approval. Conditions apply. Not a commitment to lend. © 2025 Cadence Bank. Member FDIC. Equal Housing Lender. NMLS 410279.