Jill Willy - Integrity Home Lending

Did you know...
One of the biggest lies buyers are still holding onto: “Rates will go back to 3%.”
Those rates didn’t exist because the economy was thriving.
They showed up because something was broken.
For mortgage rates to hit 3% again, you’d likely see:
• A major recession
• Rising unemployment
• Businesses pulling back
• Lending getting tighter, not easier
Low rates aren’t a gift. They’re an emergency response.
And let’s not forget what happened last time:
Prices exploded. Buyers overpaid. Competition was brutal.
Cheap money didn’t make homes affordable; it made them harder to get.
Informed buyers don’t wait for perfect rates.
They buy when the math, leverage, and lifeline up.