Wondering if 2026 is a good time to buy a house in Indiana or Kentucky, or if you should wait for rates to drop? In this video I break down the real cost of waiting a year, how your true monthly payment actually works, and how to decide whether to buy now or wait based on your own numbers instead of another headline.
We cover why timing the market is the wrong goal, the real math of buying versus waiting in the Indianapolis metro, what PITI (principal, interest, taxes, insurance) really costs on one income, how a refinance later lets you date the rate and marry the house, what a temporary buydown does to your early payments, and why a strong human-underwritten pre-approval wins homes that a quick pre-qualification loses.
Book a free Track Position Strategy call to discuss your options so you can make the best decision for you and your family:
https://link.cerberuscrm.com/widget/bookings/track-position-strategy-video
0:00 — The Cost of Waiting to Buy
2:14 — Can You Afford the Payment?
2:44 — Understanding Your True Monthly Payment
3:15 — Date the Rate, Marry the House
3:46 — Why Rates and Prices Rarely Fall Together
4:17 — The Cost-of-Waiting Comparison
4:49 — Pre-Qualification vs. Pre-Approval
5:20 — Get Your Personalized Numbers
I am a mortgage loan officer serving buyers across Indiana and Kentucky, focused on helping first-time and single-income buyers understand their real numbers before they make the biggest purchase of their life.
This content is for educational purposes only and is not a commitment to lend or an offer of credit. Rates, terms, and program availability vary by borrower, county, and situation. Equal Housing Lender.
