AD Mortgage Study Finds Buying Now Beats Waiting in 61% of Historical Scenarios

Over the past 22 years, a comprehensive study found that buying a home right away led to lower total costs in 61% of historical scenarios. What stands out to me is that these benefits weren’t just about timing the market or chasing the lowest rates—instead, they depended on factors like local prices, your ability to save, and unique market conditions. As someone who’s guided families through home financing decisions for two decades, I know there’s rarely a perfect moment, but understanding your personal goals and local realities often matters more than waiting for the 'ideal' rate. My approach is always built around your long-term needs—not just the numbers—so you can move forward with confidence, no matter what the market headlines say.