Bought in a High-Rate Market? Here’s Your Next Move.

If you bought a home in the last 18 months, chances are your interest rate wasn’t your favorite part of the deal.

Maybe you used a temporary buydown. Maybe you accepted a higher rate just to win the house. Maybe you’ve been waiting (impatiently) for the market to shift.

Good news: that moment is coming — and for some, it’s already here.

We’re now entering what I call Phase Two of Homeownership:

Buying got you in. Refinancing can help you stay ahead.

Here’s how current clients are setting themselves up:

• ✅ Watching for rate dips to lock in long-term savings

• ✅ Refinancing out of temporary buydown structures

• ✅ Replacing FHA loans with conventional (no MI = big savings)

• ✅ Cashing out equity to consolidate debt or invest

Refinancing isn't just about saving money — it's about restructuring your financial foundation.

A high-rate loan was your “entry strategy.” But your wealth strategy starts now.

If you're sitting on equity or just wondering when to make a move, let's talk. The market's shifting — and you deserve a plan for Phase Two.