Buy Now Or Wait?                 

                                                   

Example

 Home Price 

$200,000

Home prices decrease by 5%

Home Price: -5% 

$190,000

Home prices decrease by 10% 

Home Price: -10%

$180,000

Interest Rate

6%

Interest rates increase by 0.5% 

Interest Rate: +0.5%

6.5%

Interest rates increase by 1.0% 

Interest Rate: +1.0%

7%

 Payment

$1,199

 Payment

$1,201

 Payment

$1,198

 

Even a slight increase in mortgage interest rates can offset a significant drop in home prices.  There is little to gain in this scenario and much to lose if home prices rebound or rates jump.

 

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