Gold Star Mortgage Financial Group
901-494-4400


Ludy Callaway
 
Vice-President Mortgage Division
NMLS#267872

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Why Now Might Be the Best Time in Years to Buy a Home (Seriously)

The Housing Market Is Changing—and It’s Finally in Your Favor

If you’ve been sitting on the sidelines, waiting for the “right time” to buy a home, here’s your wake-up call: The market is shifting—and buyers finally have the upper hand.

It’s not just wishful thinking. It’s in the numbers.

Why It Feels Different (Because It Is)

For the first time in years, inventory is rising, homes are staying on the market longer, and sellers are starting to make real concessions.

Just look at what’s happening:

  • Inventory Surge: Compared to last year, there are now over 500,000 more homes for sale. That means more options and far less competition.

  • Homes Are Sitting Longer: Listings are staying on the market 7+ days longer than a year ago, giving buyers time to breathe and think before making offers.

  • Sellers Are Open to Negotiations: Price reductions, repair credits, and even closing cost help are back on the table in many markets.

This isn’t just a lucky break. It’s what industry pros call a buyer’s market—when the market finally tilts in favor of people just like you.


What This Means for You (and Why You Shouldn’t Wait)

  • Less Pressure – No more bidding wars. No more waiving inspections. You get to shop smart.
  • Better Deals – With more homes to choose from and fewer buyers to compete with, you’re in a powerful position to negotiate.
  • Stronger Protections – Want to ask for repairs after the inspection? Or negotiate credits? You’ve got room to do that again.

Yes, interest rates are higher than they were a few years ago—but you can refinance later. What you can’t do is rewind the clock and snatch up the perfect home at a price that worked for you after someone else already bought it.


Why Waiting Could Cost You More

Markets don’t stay soft forever. When rates drop again—and they will—demand will spike, competition will return, and prices could climb. The buyers who wait will be the ones stuck overpaying or fighting for homes all over again.


Here’s Your Next Step

  1. Don’t guess—get qualified. Let’s see what you can afford in today’s market. You may be surprised.
  2. Get the facts, not fear. We’ll walk you through the numbers, answer your questions, and help you understand your options clearly.
  3. Act while the market favors you. That window won’t stay open forever.

Ready to see what’s possible? Let’s talk today. Your dream home might already be on the market—just waiting for you to find it before someone else does.

Source: BiggerPockets and Mortgage Professional America (MPA)


* Specific loan program availability and requirements may vary. Please get in touch with your mortgage advisor for more information.

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Address: 5050 Poplar, Suite 2100 Memphis, TN 38157

Phone: (901) 494-4400

Email: ludy@i-bankonline.com

NMLS# 267872

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