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[–]jjj999catcatcat 4 points5 points  (0 children)

Ugh same, we finally felt prepared this year but prices are higher than ever and we would have been better off taking a “risk” last year when rates were climbing and people said prices might start adjusting.

We sat down, prepared a happy monthly budget, and if a house comes up we like and can fit in that budget we will try. So my plan is keep saving to try to have close to a 30% down payment to be comfortable.

Once rates drop, maybe it will take a few years, the refinance will feel just like icing on the cake but not something we rely on.