Buy a home now while interest rates are still low or wait for housing market/prices to level out?
Additional context: looking to buy a starter home in HCOL to stay in for the next 5+ years

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Now. Interest rates will go up. I don’t think home prices will “level” out. Even if it did, you’d lose out on inflation

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Best of luck OP! Also in the market for purchasing and it’s hella competitive still

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My wife and I are in the same boat OP! It’s a really tough decision and we’ve decided to buy. Our rationale is that real estate prices at HCOL cities really don’t drop that much in the long run, but interest rate could easily go above 4 when things go back to normal. At the end of the day I think it really comes down to whether you can see yourself renting for the long run. For us, we’re building up a family so would eventually need to grow out of a one bedroom, and figured now isn’t a bad time to buy. Best of luck!

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