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Here’s the part most people miss: if rates go down, there’s a great chance home prices will start going up again. Lower rates reduce monthly payments, which instantly pulls more buyers off the sidelines. More buyers chasing the same limited inventory creates competition, and competition pushes prices higher. That’s why waiting on rates can be risky. Even if your rate is lower later, you may end up paying more for the home itself. The real question isn’t when rates fall, it’s how many buyers re-e
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