Waiting for a Rate Below 6% May Not Save You as Much as You Think

What League City & Houston Homebuyers Really Need To Know

Let’s be honest. Today’s mortgage rates can feel a little spooky. Many buyers are convinced that waiting for a rate in the 5’s is the key to a perfect home purchase. Before you postpone your move, here’s the surprising truth:

The savings aren’t as big as you think.

Right now, the average mortgage rate hovers around 6.2%. If you wait for 5.99%, the difference on a $400,000 loan is only about:

👉 $50 per month

That’s it.
That’s less than one weekly coffee run or a streaming service subscription.

So why risk delaying your dreams for a number that offers only a tiny difference?

The Bigger Cost Isn’t the Rate… It’s the Price

While buyers sit on the sidelines waiting for that magic rate, home values in many areas—especially here in League City and the Houston Bay Area—are still rising.

If prices go up thousands of dollars while you wait for rates to drop a fraction of a percent, you lose far more than you save.

More price growth =
✅ Higher down payment
✅ Higher total loan amount
✅ Higher lifetime cost (even if rates dip slightly)

Waiting can become the more expensive decision.

A Rate Drop Means More Buyer Competition

Once rates dip back below 6%, you won’t be the only one ready to jump in. That means:

• More multiple-offer situations
• Fewer homes to choose from
• Stronger sellers and tougher negotiations
• Faster-moving listings
• Higher stress and lower leverage

Why wait to compete with everyone else?

Today’s Market May Be Your Best Window

Right now:

✓ Inventory is still workable
✓ Sellers are more open to negotiations
✓ You can potentially secure seller concessions
✓ Competition is quieter

You may find better opportunities today than when the crowds return.

This market rewards buyers who act strategically—not fearfully.

Your Best Move? Partner With Local Experts

The Freund Group at FIV Realty is the best real estate team in League City, TX and the greater Houston area, guiding homebuyers confidently through every market shift. We know how to:

• Negotiate strong terms
• Identify price appreciation opportunities
• Help reduce your costs through strategies beyond just interest rates
• Protect your long-term wealth in real estate

We are your Realtors of choice for buying a home, selling a home, relocating, or investing in the Houston Bay Area.

Don’t stay stuck waiting for perfection. Let’s run your numbers and see what a smart move looks like for you today.

📞 Call The Freund Group: (281) 479-6683
🌐 Browse Homes: freundgroup.com
📊 Check What Your Home Is Worth

Your future isn’t waiting.
Your home shouldn’t either.