Spring is a popular time to buy a home — and for good reason. The weather’s nicer, more homes tend to hit the market, and people are ready for a fresh start. But in 2025, the spring market looks a little different than it has in years past.

Rates are still a bit higher than what we saw during the pandemic boom, but they’ve been slowly inching down. Inventory? It’s improving in some areas, but in others, homes are still going quickly. That means if you’re planning to buy, it’s important to stay flexible, move fast when you see something you like, and have your financing lined up early.

The good news? There are more listings now than last year, which means more options for buyers. And while higher rates might seem like a downside, they’ve actually helped cool down the competition just enough in some markets to give buyers more breathing room.

The key this season is being prepared. Make sure you're pre-approved, know your budget, and work with a lender and agent who can help you move quickly when the right opportunity comes along.

Buying a home might feel different this year — but with the right game plan, it's still totally doable. And who knows? Your dream home might be waiting for you right around the corner.

With mortgage rates still hovering above what we’ve been used to in recent years, a lot of people are wondering: “Should I wait to buy?” It’s a fair question — but the answer isn’t always a clear-cut “yes” or “no.”

Here’s the truth: in some situations, buying now can still be a smart move — even with higher rates. Let’s break down when it might actually make sense to go for it.

1. You Found The One

Sometimes, the perfect home comes along — the right layout, the right location, the right everything. And let’s be honest: great homes don’t come around every day. If you’re financially ready and you’ve found your home, it might be worth locking it in now and refinancing later if rates drop.

2. Prices Are Calmer (for Now)

While rates are higher, they’ve helped cool down some of the buying frenzy. In many areas, this means less competition and fewer bidding wars. If you’re able to snag a home at a good price today, that could be worth more long-term than waiting for a slightly better rate — especially if prices go back up.

3. Renting Is Still Expensive

Renting isn’t exactly a bargain these days. In many cities, rent prices are at all-time highs — and unlike a mortgage, rent doesn’t build equity. If your rent is close to what a mortgage would cost you, buying could be a better long-term investment, even with today’s rates.

4. You’re Financially Ready

If you have steady income, a solid credit score, and enough saved up for a down payment and closing costs, you’re already in a great position. In fact, buyers with strong financial profiles may qualify for better terms or loan programs that help offset higher rates.

5. The Market’s in Your Favor

In some cities, inventory is rising and sellers are more willing to negotiate. That gives you a bit more breathing room and leverage — something that was rare during the crazy market of 2020-2022. A more balanced market means you might score a better deal, even with a slightly higher interest rate.

Bottom Line

Yes, rates are higher than they were a couple of years ago — but that doesn’t mean it’s a bad time to buy. If you’re financially prepared and you find the right home, this could still be your moment. And remember: you marry the home, but you date the rate. You can always refinance down the road.

When it comes to building wealth, there's no magic button — but there is a powerful tool that many people overlook: your mortgage.

Owning a home isn’t just about having a place to live. It’s one of the most reliable ways to grow your wealth over time — and all it takes is a little patience. With every mortgage payment you make, you’re not just covering your housing costs — you’re investing in yourself.

Here’s how it works.

Each month, part of your payment goes toward interest, but another part goes directly toward your loan principal. That means you’re slowly increasing your ownership stake in your home. This is called building equity — and the longer you own your home, the more equity you build.

On top of that, homes tend to appreciate in value over time. While real estate can have ups and downs like any market, historically, home values rise — especially when you hold onto your property for the long run. Combine that with your growing equity, and you’ve got a powerful wealth-building machine right under your roof.

And unlike rent — which goes to someone else’s pocket — every mortgage payment is helping you move closer to full ownership. That’s the quiet magic of consistency.

You don’t need to flip houses or time the market perfectly. You just need to stay the course, make your payments, and watch what happens over time.

So if you’re feeling overwhelmed by rising rates or unsure whether it’s worth it — remember this: wealth doesn’t come from winning the lottery. It comes from showing up, paying down, and staying patient.

Your future self will thank you.