Mortgage Rates Demand a 12-Month Plan | Schedule a meeting today! https://calendar.app.google/DxNYdmSBXLTQXraFA

Mortgage rates can shift quickly—sometimes by a full percentage point over the course of a year—which is why I always encourage clients to focus on what feels comfortable for their monthly payment, not on chasing the perfect rate. Over a 12-month home search, rates moving just one point can swing your buying power by more than $60,000. For example, with a $2,000 monthly budget, you’d be looking at about $334,000 in buying power at 6%, but only around $273,000 at 8%. Flexibility is key to keeping homeownership within reach. If your search is shorter—say, 3 or 6 months—it’s still important to plan for potential movement, even if it’s just half or three-quarters of a point. Before you make an offer, compare several payment scenarios, consider options like buydowns or seller concessions, lower any outstanding debts, and build up your savings where you can. My goal at TAAG Mortgage is to make sure every client—from first-time buyers to those with credit challenges—has a clear, adaptable plan for success.