11/02/2026
Marry the house. Date the rate.
I talk to San Antonio buyers every week who are waiting for rates to drop before they make a move. I get it. But here's what I keep seeing: the rate you can refinance later. The house you can't get back.
If you find the right place at a fair price, you can always refinance when rates ease. If you wait and rates dip, more buyers jump in at the same time, and you're bidding against all of them for the same inventory.
Waiting isn't free. It costs you the home you wanted and the equity you could've been building the whole time.
That doesn't mean rush. It means run the real numbers with a lender, not the headlines, and know what you're comfortable paying each month.
If you want a straight answer on where you stand, let's talk.
DM me or visit ritterlandandhome.com to get started.