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If you’re sitting on the sidelines waiting for rates to drop, stop. You don’t time the housing market. You time your own financial life. Yes, rates are higher than they were in 2021. But remember: you marry the house and date the rate. When rates drop, you can always refinance (if it makes sense). What you don’t do is wait . . . Because when rates fall, demand rises and prices follow. Here’s what actually matters: •\tYou’re out of debt •\tYou have 3–6 months of expenses saved for emergencies •\t
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