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Dated: January 21 2026
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Is Now a Good Time or a Bad Time to Buy a Home?
The Answer Might Surprise You.
If you’ve been waiting on the sidelines for mortgage rates to “go back to normal,” you’re not alone. But here’s an important reality check that often gets lost in headlines:
There are now more homeowners with mortgage rates over 6% than there are homeowners with rates under 3%.
Let that sink in for a moment.
For years, ultra-low interest rates were the exception, not the rule. Today’s market looks different—and that doesn’t automatically make it bad. It simply means the strategy has changed.
The Myth of the “Perfect Time”
Many buyers are waiting for:
Rates to drop
Prices to fall
Conditions to feel “safe” again
But in real estate, the best time to buy is rarely obvious in the moment. In fact, the best time to buy is often yesterday.
Why? Because real estate wealth is built over time—not by timing headlines perfectly, but by owning an appreciating asset and letting leverage work for you.
What the Data Is Telling Us
According to current mortgage data:
More people now hold mortgages above 6% than below 3%
The average interest rate on all outstanding mortgage debt is 4.14%, meaning today’s buyers are not the outlier—they’re becoming the norm.
This shift signals something important: buyers are adapting, not disappearing.
Be Careful Which “News” You Listen To
Here’s a hard truth that doesn’t get said enough:
The loudest voices telling you that renting is safer, smarter, or “more flexible” often belong to institutional landlords, apartment owners, and investors—the very people who benefit when you pay their mortgage instead of your own.
Homeownership remains one of the most reliable tools for:
Building long-term wealth
Creating stability
Jumping the gap from poverty to prosperity
This Is Why Advice Matters
A mortgage rate is just one piece of the puzzle.
What truly matters is:
Your long-term plan
Your cash flow strategy
Your ability to refinance, reposition, or leverage equity later
That’s why now, more than ever, it’s critical to work with:
A Realtor who understands strategy—not just sales
A lender you trust to help you build a prosperity plan, not just quote a rate
Final Thought
Real estate has always rewarded informed, intentional buyers—not fearful ones waiting for perfect conditions.
If you’re considering buying, upsizing, downsizing, or investing, the conversation shouldn’t start with “Is now a good time?”
It should start with “What’s the right plan for me?”
📞 Reach out to your trusted Realtor and lender.
📈 Build a strategy.
🏡 Use homeownership as a tool to strengthen your wealth position.
Brenda Kellogg Meyer
Hi! I’m Brenda, and I am here to help you with all your real estate needs.Welcome to Colorado and its diverse real estate market. I enjoy connecting people to special spaces for work and life th....
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