The Cost of Waiting: Why Interest Rates Aren’t the Enemy

If you’ve been thinking about buying a home, you’ve probably heard this line:
“Now’s still a good time to buy!”

And maybe it made your skin crawl a little.
Because let’s be honest—you’re not sure who to trust anymore.

You hear it from real estate agents. From loan officers. From influencers online.
And part of you wonders, “Do they actually care about me—or just their commission?”

We get it. Truly.
And this is where we need to tell you something important:

We don’t help people buy homes because we’re trying to make a sale. We help people buy homes because we know in what owning a home can do for someone’s life.

This Isn’t About Selling. It’s About Security.

We’re not here to convince you to buy a house tomorrow.
We’re here to walk with you toward security, safety, and stability—whenever the time is right for you.

Because here’s the truth most people don’t hear:

🧠 Homeownership is about more than numbers.
It’s about sleeping better at night.
It’s about planting roots.
It’s about not getting priced out of your own city five years from now.
It’s about building something you can pass on, whether you have kids or not.

And yes—generational wealth starts with homeownership for many people. Especially in communities that have been historically excluded from it.

A real estate professional who truly understands the power of homeownership is often deeply passionate about their work—because they know the impact it can have on someone’s life. While that level of enthusiasm can sometimes feel overwhelming, I encourage you not to misinterpret it. What you’re seeing is genuine commitment to helping you reach your goals.

So What About Interest Rates?

Let’s get practical for a moment.

We hear this all the time:
“I’m just going to wait until rates come down.”

But here’s what most people don’t realize:

• If rates drop 1%, your monthly payment might decrease by about 10%.

• If your budget is $3,000/month, that’s a savings of around $300/month—or $3,600/year.

Not bad.

But in that same year, home prices are expected to go up.

📈 Goldman Sachs predicts home prices will increase 4.4% in 2025.
The average home in the Twin Cities right now is about $389,000.
A 4.4% increase means that same home could cost $16,940 more next year.

So let’s do the math:

• ✔ Save $3,600 on interest

• ❌ Spend $17,000 more on the house
  
  Waiting could cost you more than moving forward.

Why Everyone Feels Paralyzed (And What to Do About It)

Right now, society is afraid.
The headlines are loud. The market feels unpredictable. And there’s so much noise, it’s easy to feel paralyzed.

This fear has created a polarizing effect—where people don’t feel safe to buy, but also don’t feel safe to rent forever.
And in the middle of that fear? People stop moving forward.

We don’t want that for you.

The Right Time to Buy Isn’t About Rates

We’ll never tell you to buy a home because we want you to. That’s not the goal.

But we will tell you this:

The right time to buy a home is when you’re ready to invest in your future—and you have people around you who will guide you, not pressure you.

And if you’re not there yet? That’s okay.
We’ll help you build a plan to get there.

Let’s Make a Strategy—Not a Sales Pitch

We offer private, complimentary Homebuyer Strategy Sessions for people just like you.

No pressure. No gimmicks. No expectations.
Just a conversation about your goals, your timeline, and what’s possible.

📅 Click here to schedule a time that works for you

Our Mission Is Bigger Than Sales

At Brick & Banister, we don’t exist to collect commissions.
We exist to support the dream of homeownership everywhere—for every individual and every family who wants the security, freedom, and opportunity that comes with owning a home.

And we know that helping someone buy their first home can change the entire trajectory of their life.

If you’re ready to explore that with us, we’re here.

And if you’re not ready yet?
We’ll be here when you are.