Is it better to buy before mortgage rates drop?

It can be, if the home is affordable now. If rates drop later, more buyers may enter the market, which can increase competition.

Should I wait for home prices to fall?

Maybe, but large price drops are not guaranteed. In many areas, limited inventory can keep prices firm even when rates are high.

Save for the down payment, closing costs, moving costs, and an emergency fund. Keep enough cash after closing to handle repairs and life events.

Yes, if you qualify and the savings outweigh the costs. Do not buy a home that only works if refinancing happens later.

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