This One Question Can Change Your Entire Homebuying Strategy

Whenever I talk to a buyer who’s unsure about the market, I ask one simple question:

“Are you making a 5-year decision… or a 30-year one?”

Because here’s the thing: the 30-year fixed rate is important, but it’s not the whole story. Especially if you’re not planning to stay in the home for 30 years.

If you’re buying your starter home, planning to move in 5–7 years, or eventually upgrade, why make long-term decisions based on short-term fear?

Let’s flip the script:

🎯 Can we structure a loan with flexibility to refinance when rates improve?

💡 Can we use seller credits to cover a temporary buydown or reduce cash-to-close?

🔁 Can we think of this as a stepping stone rather than your forever home?

Buyers who focus only on rate often miss the bigger picture: their lifestyle, goals, and timeline. And that’s where true mortgage strategy comes in.

The right loan isn't just about the rate — it’s about how it fits into your actual plan.

If you’re making a 5-year decision, let’s build a 5-year strategy that makes sense.