Homebuyers often think they need to wait for interest rates to drop — or save up 20% down — before making a move. That’s not the case. In this short video, Tim & Sandy Jones break down how a 2/1 buydown can make your first payments feel up to 2% lower, why low-down-payment options (as little as 3%) are still available, and how PMI will once again be tax-deductible starting in 2026.

If you’ve been sitting on the fence, now may be the time to run a Buy vs Wait analysis with a real estate team who knows how to negotiate seller concessions in your favor. Watch below and let’s talk about your next move.