Is Now a Good Time to Buy or Refinance? How to Decide in an Unpredictable Rate Climate

Blaine Rolstad

Published on: 10/10/2025

Is now the right moment to buy a home or refinance your mortgage?” That question heats up especially when rates are dancing up and down. With the Fed hinting at rate cuts and market sentiment shifting, many buyers and homeowners are wondering whether they should act now or wait. Some lenders argue that even modest savings from refinancing can justify the closing costs if you’ll stay in your home for several years. Others caution that waiting might pay off if rates decline further. But waiting has risks too — like missing out on your dream home or losing inventory. The best move depends on your timing, your goals, and your comfort with rate uncertainty. In this post, we’ll break down the factors to weigh so you can decide when to act.

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Will Mortgage Rates Go Down Soon? What Buyers & Refinancers Need to Know

Blaine Rolstad

Published on: 10/10/2025

With all the talk about a potential Federal Reserve rate cut, many prospective homebuyers and homeowners considering refinancing are closely watching the mortgage rate landscape. Lately, 30-year fixed mortgage rates have dipped into the mid-6% range — an encouraging sign compared to earlier highs. But is this the start of a sustained decline? In this blog, we’ll dig into what drives mortgage rates, whether a drop is on the horizon, and how you can stay prepared to act.

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