AD Mortgage Study Finds Buying Now Beats Waiting in 61% of Historical Scenarios

When it comes to buying a home, timing is always a big question for my clients across Tennessee, Alabama, and North Carolina. A recent study looking at 2000–2022 found that jumping into the market right away resulted in lower total costs 61% of the time. What’s interesting is that these outcomes weren’t just about mortgage rates—they were shaped by home prices, how much buyers could save, and local market dynamics. I’ve seen firsthand how each borrower’s story—whether you’re a first-time buyer, investor, or navigating self-employment—plays into these factors. The data supports what I tell clients: the right time to buy isn’t just about rates, but about your unique situation and the local market you’re in.