Take Charge of Your Homeownership Journey Today

Housing affordability is unlikely to return to pre-2022 levels due to higher costs and tight supply. Many homeowners with low-rate mortgages are not selling, limiting inventory. First-time buyers face larger mortgage balances, stricter credit, and often must buy in more affordable areas. Mortgage rates are expected to moderate but remain above historical averages, keeping affordability constrained. Waiting for past affordability may not be advisable; buying when feasible is recommended.