I know a lot of buyers have been sitting on the sidelines waiting for rates to come down, and we’re finally starting to see that shift. Rates have already started to drop, and most forecasts are calling for more decreases in Q1 and Q2 of 2026.
Here’s the bonus: most lenders right now will refinance you for free (or close to it) if rates drop again. That means you can buy the home you want today, then lower your payment later without getting hammered by closing costs.
Because so many buyers paused their search over the past year, we’re sitting on higher inventory and way less competition than we typically see in Denver. That gives you:
Once rates drop further, more buyers will jump back in—and that window closes fast.
Everyone thinks waiting for the lowest possible rate is the winning strategy, but here’s the reality:When rates hit the bottom, competition explodes, inventory tightens, and prices get pushed up. You could easily end up paying more overall, even if the rate is a bit lower.
Right now you can still buy with breathing room, then refi later. It’s the best of both worlds.
If you’ve been thinking about buying, this might actually be the ideal moment—before the crowd returns. Rates are trending down, refis are cheap or free, and the current inventory gives you the leverage buyers haven’t had in years.
If you want to run payment scenarios or set up a custom search, I’m here to help anytime.
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