Don’t let outdated expectations or bad data keep you stuck on the sidelines—3% rates aren’t coming back anytime soon.

Download the Made 4 More app for the most accurate listings—no hidden fees, no info sold—and start your home search with confidence in today’s market!

If you’re holding your breath waiting for 3% mortgage rates to come back, it’s time for a reality check—and a game plan. We get it. Those ultra-low rates in 2020 and 2021 made buying feel like a once-in-a-lifetime opportunity. But here’s the truth: those rates were never meant to stick around—they were a direct response to a global emergency, not a new normal.

So… are 3% rates coming back? Honestly? Probably not.

Let’s Talk About Where Rates Actually Are

Today’s mortgage rates are hanging out in the high 6% to low 7% range—and while that might sting compared to pandemic-era lows, they’re still historically reasonable. Experts like Kara Ng, Senior Economist at Zillow, predict rates might ease into the mid-6% range by the end of the year, but it won’t be a straight path. And 3%? That’s not on the radar.

Here’s the Deal: Waiting Might Cost You More Than You Think

A lot of buyers are stuck in limbo, waiting for rates to magically drop. But if you wait too long, you risk missing out on more than just lower interest—you miss opportunity. Why? Because if rates dip even a little, everyone else jumps back in, competition spikes, and prices follow.

It’s like trying to beat rush hour traffic by waiting until 5:30. Spoiler: you’re not the only one with that idea.

What You Can Control Right Now

Instead of sitting on the sidelines, focus on what’s in your control:

• Get pre-approved with a solid lender
  
  
• Boost your credit score to lock in the best rate possible
  
  
• Partner with a savvy real estate agent (hey, that’s us 👋)
  
  
• Explore creative financing options and down payment assistance
  
  

There are still great homes out there—and still great strategies to get you into one without overpaying or overextending.

Move Now, Win Later

Buying now, while others are still waiting, gives you an edge. More inventory, fewer bidding wars, and time to negotiate without the pressure cooker pace we’ve seen in past years. And if rates drop later? You can always refinance—but you can’t go back in time and buy at today’s prices.

As Realtor.com put it best:

“Staying out of the market in hopes of a rate drop that never comes can lead to missed opportunities… If rates do fall sharply again, buyers could face an entirely different challenge: surging competition.”

3% mortgage rates were the exception, not the rule. Waiting for them to come back might leave you sitting on the sidelines while prices climb and opportunities shrink.

If you’re serious about building wealth through real estate, don’t wait for a “perfect” moment that may never come. The smarter move? Take action now, with the right plan and the right team behind you.

Ready to stop waiting and start winning?

📘 Download our free guide: “10 Devastating Mistakes to Avoid When Buying a Home” and learn how to make smart, confident moves in today’s market.

📲 Call or text us at 855-935-MORE to talk strategy, financing, and finding your dream home on your terms.