Homebuyers, Do You Finance Now or Wait for Fed to Drop Rates?

Orange County Register, October 27, 2025-Jeff Lazerson
Plenty of borrowers are sitting on the sidelines waiting for home prices to flatten or drop further in ZIP codes already experiencing drops.

Buyers are also expecting the Federal Reserve to drop short-term interest rates. (Long-term mortgage rates are not directly related to short-term rates but may be indirectly influenced by short-term rates going down.)

So, buyers essentially are hanging onto this one-two punch for more affordability: cheaper prices and cheaper payments. (MBA mention)
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