Interest Rate Strategies: Should You Buy Now and Refinance Later?
December 10, 2025Published: December 2025
By: Brenda Valdes, Miami Real Estate Advisor | Coconut Grove, Miami
Rates have started to shift — and many Miami buyers are asking the same question:
“Is now still a smart time to buy?”
The answer: Yes—if you plan wisely.
The ‘Marry the House, Date the Rate’ Strategy
Buy now at a workable rate → refinance when rates fall in 2026. But this only works if:
- You can comfortably afford the current payment
- The home has long-term value appreciation
- You understand refi costs ahead of time
Smart Rate Strategies for Buyers
✔ Ask lenders about rate buydowns
✔ Explore seller-paid closing cost credits
✔ Get multiple quotes
✔ Understand how your payment changes every 0.5% drop in rate
Why Waiting May Cost More
Lower rates = more buyer competition. That can drive prices up. A calmer market with more inventory may actually favor buyers right now.
Want to see what your payment looks like at different rate scenarios? I’ll run the comparison for you.