Interest Rates Matter — But They Shouldn’t Paralyze You

Interest rates directly affect affordability. There’s no denying that.

A higher rate increases your monthly payment. A lower rate improves purchasing power.

But here’s the mistake many buyers make:

They obsess over rates instead of focusing on their monthly budget.

You cannot control interest rates.
You cannot control Federal Reserve decisions.
You cannot control market headlines.

What you can control is:

• Your financial comfort zone
• Your debt-to-income ratio
• Your savings strategy
• Your purchase price

If the monthly payment works within your budget, the rate becomes part of the equation — not the entire decision.

Waiting for the “perfect” rate can sometimes cost more in rising prices or lost opportunities.

Smart buyers focus on affordability, not headlines.

Control what you can. Plan strategically. Act when it makes sense for you.