“Should I just wait until rates come down?” I hear it from first-time buyers, move-up buyers, even friends at my son’s baseball games.” It’s a fair question. Nobody wants to lock in a payment and then watch rates fall a few months later. But most people only run half the math. They think about what…

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  You’ve outgrown the house. You know it. Everyone in it knows it. But the moment you start thinking it through, you hit the same wall. You can’t buy the next house until this one sells. And you can’t sell this one until you know where you’re going. So you stay. Another year, then another.…

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