The Market Timing Simulator
Everyone wants to buy at the bottom, but waiting often comes with a hidden price tag. This tool is your Wealth Preservation Check. Use it to weigh the potential savings of a future rate drop against the very real cost of missed appreciation and amortization. See exactly how much "sitting on the fence" costs you in lost equity.
The Cost of Waiting
Should you buy now or wait for rates to drop?
Future Prediction
If rates drop to this...
And prices rise by this...
Option A: Buy Now
$2,844
Loan Amount $427,500
Home Value (Future) $472,500
Gain Equity
Option B: Wait 1 Year
$2,900
Loan Amount $448,875
Lost Appreciation -$22,500
Pay More
Net Cost of Waiting
$23,450
Even with a lower rate, the higher home price costs you more in equity and total loan balance.