Waiting until fall won’t make homes more affordable, but here’s what will

The dream of homeownership can feel daunting when you see that the income needed for a median-priced US home has nearly doubled to over $120,000. With mortgage rates hovering around 6.5% and prices continuing to climb, waiting until fall isn’t likely to lead to better affordability. I’ve guided many clients—especially fellow military families—through these tough markets, and the truth remains: preparation is your best ally. Typical down payments are between 6–9%, but there are also low or even zero down payment options, especially for VA buyers. As always, a mission-focused plan and the right guidance make all the difference when navigating today’s real estate landscape.