Don’t Buy Today Assuming You’ll Refinance Tomorrow

Don’t Buy Today Assuming You’ll Refinance Tomorrow

  • Colin Whitenack
  • October 1, 2026

Mortgage rates have already moved higher, so what should buyers be thinking about now? 🏡📈 Trying to perfectly time interest rates is tough. Instead, buyers can focus on the options available today, including permanent rate buydowns and temporary 2-1 buydowns that can reduce the rate during the first couple of years. 💰🔑

The biggest thing? Make sure the payment works for your budget based on the rate you’re actually getting today. Don’t build your plan around assuming you’ll be able to refinance later. If rates eventually come down, refinancing could be an opportunity, but your purchase should make sense even if they don’t. 🙌 Questions about buying in today’s market? Let’s talk. 📞 303.912.5394 | ✉️ [email protected]

Work With Colin

Colin makes sure to understand the life goals of each individual client so that he can develop the strategic plan now that will fit within those goals. Colin then laid out the process for both buyers and sellers including timelines, prices, processes, and expectations.

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