Washington State | Should You Buy Now or Wait for Interest Rates to Drop?

Let’s break this down honestly.

If rates drop, competition will rise. That means:
- You’ll likely face more bidding wars.
- Prices may climb again.
- Sellers will have more leverage.

Right now, buyers have room to breathe, negotiate, and even get seller-paid credits. Plus, many lenders are offering free or discounted refinancing within the first 1–3 years if you buy now and refinance later.

Here’s what I tell my clients: Buy the right house, not the perfect interest rate.

Because what you can’t change later is location, layout, or how that home makes you feel. And if you wait too long, the house that checks all your boxes might not be available later.

Let’s Talk Strategy, Not Pressure.

If you’re even thinking about buying in the next 6–12 months, let’s start building your plan now. I offer free Buyer Strategy Sessions to help you:
- Clarify your timeline
- Get connected with lender partners
- Understand the local market
- Create a custom neighborhood list

There’s no pressure to “jump in”—just the right support, guidance, and tools to help you decide when you’re ready.

I’d be honored to help.

—Lani Fisher
Top 1.5% Realtor | Everyday Agent for Everyday People
Military Relocation & First-Time Buyer Specialist