Buy Now vs Wait to Buy a Home: AD Mortgage Finds Buying Wins in 61% of Scenarios

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For loan officers, the study gives a fresh way to discuss borrower hesitation without pretending every buyer, market, or budget pencils out the same way.

The buy now vs wait to buy a home debate has a new data point: AD Mortgage found that buying a home now beat waiting in 61% of scenarios, according to a HousingWire report published September 9, 2026. The study compared buying now versus waiting across all states over a three-year period.

For mortgage professionals, this matters because “I’m going to wait” is still one of the most common borrower objections in the market. The finding does not settle the decision for every household, but it gives loan officers a practical starting point for conversations about homebuyer affordability, timing risk, and the cost of sitting on the sidelines.

Key takeaways

• AD Mortgage compared buying a home now versus waiting across all states over a three-year period, according to HousingWire.
• The study found buying now beat waiting in 61% of scenarios.
• The finding can help loan officers address affordability objections, but it is not a blanket recommendation for every borrower.
• Important details such as the full methodology, assumptions, and state-level results were not included in the supplied source material.

Sources

• HousingWire — Buying a home now beat waiting in 61% of scenarios, AD Mortgage study finds

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