Why You Should Hope for Higher Mortgage Rates (Yes, Really!)

In this eye-opening episode, David Wickert and Tim Holdmann flip conventional home-buying wisdom on its head. They explain why waiting for lower rates might actually cost you more—and why shopping when rates are higher could be your smartest move.

The hosts break down a crucial insight: your monthly payment goal stays the same regardless of rates. When rates drop, you’re not the only one celebrating—every other buyer jumps off the sidelines too. The result? More competition, higher home prices, and you end up at the same monthly payment anyway, just for a more expensive house.

David and Tim share real client success stories, including one buyer who purchased at a high rate and has already completed three no-cost refinances, continuously lowering their payment as opportunities arise. They emphasize that locking in your home price during less competitive times, then refinancing later, often beats waiting for the “perfect” rate.

The conversation also dives into adjustable-rate mortgages versus fixed rates, temporary rate buydowns, and why your relationship with your loan consultant shouldn’t end at closing. This episode is packed with contrarian wisdom that challenges everything you thought you knew about timing your home purchase.​​​​​​​​​​​​​​​​