What If I Told You It’s Not the Rate That’s Holding You Back—It’s the Lack of a Game Plan?

Every week, I get the same kind of texts and phone calls from lenders:

“Rates just dropped—who’s ready to lock in?”
Sounds exciting, right? But here’s the catch:

By the time that message goes out… it’s already too late for the folks who aren’t prepared.

The Truth About Timing the Market
Mortgage rates move.
They go up, they dip down, and sometimes—when you least expect it—they drop just enough to create the perfect window of opportunity.

But if you’re not ready to act?

That window closes fast.

I see it happen all the time—buyers with the best intentions who miss their shot because they weren’t prepped. No updated paperwork. No strategy. No clear sense of their budget.

And no loan officer can “hurry up” the process once the opportunity is already knocking.

Your Readiness Shouldn’t Move With the Rates
If you don’t have your budget dialed in…
If you don’t have your paperwork ready to go…
If you don’t have a game plan for what happens when the right home or the right rate shows up…

Then you’re going to keep missing it. Over and over.

That’s where I come in.

My Job? To Help You Be Ready—Before You’re Racing the Clock
Let’s build your plan now, not later.

✅ A clear breakdown of what you can comfortably afford (so you’re not guessing)
✅ A strategy to strengthen your approval (credit, income structure, debt ratios—we’ll walk through it all)
✅ A backup plan for when the market shifts again (because it will—and you’ll want to be ready either way)

The Bottom Line?
If you’re serious about buying a home in the next year or two, don’t wait for the “perfect rate” to get started.

The perfect rate means nothing if you’re not in position to act on it.

Let’s get you prepped and confident—so that next time I get that call that says “rates dropped”…

You’ll be the first person I reach out to.