📉 Why Waiting for Interest Rates to Drop in 2026 Could Cost You Big

Right now, millions of buyers are stuck in this loop:

“I’ll buy when rates drop just a little more…”

But history shows a brutal truth:

👉 When rates fall, prices rise

👉 When rates fall, competition explodes

👉 When rates fall, buyers lose negotiation power

Waiting for rates feels “safe.”Financially—it is often the most expensive move possible.

🧠 The Real 2026 Strategy Smart Buyers Use

The smartest buyers:

✅ Buy before rate drops

✅ Lock in price today

✅ Refinance later

✅ Capture appreciation AND leverage

You can’t refinance a purchase price.

You can refinance a rate.