Waiting for rates to drop before you buy? Mortgage loan officer Ryan Carmody joins the show to explain why that's usually a losing strategy — and why monthly payment, not the rate, is what actually matters. We cover the "marry the house, date the rate" mindset, why falling rates tend to push prices up, and what a rate drop would do to already-low New England inventory. If you're on the fence about pre-approval, start here.Ryan's information-

lmpfinancial.com/ryan

(508) 272-5526

First-time buyer? This one's for you. We break down the full home buying journey, start to finish: pre-approval, buyer representation, the search, making an offer, negotiation, inspections, appraisal, walkthrough, and closing.

We also get into what actually matters during inspection (mold, foundation, septic) vs. what doesn't (cosmetics), how NH and Maine handle inspections differently, and how buyer agent compensation typically breaks down.

Next episode: the full cost breakdown of buying a home, every fee you'll actually pay.

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Most people are waiting for mortgage rates to drop so homes get cheaper. The data says the opposite: when rates fall, prices rise.

This episode walks through the historically inverse relationship between rates and home prices, why 2020 and 2021 were a rare exception when both moved up together, and what today's stable mid-6% rates and tight inventory mean if you're trying to time your next move. I also explain why the 2.65% rates of 2021 aren't a realistic baseline to wait on.

Practical, no hype, built to help you decide with trends instead of guesses.

Max Willett, The Dow Group at Keller Williams. Licensed in NH, ME, and RI. Questions about your market?