Market Spotlight
December 4, 2025
What You Need to Know
Why Waiting for a Crash Could Cost You More…
Are you one of the 1 in 3 Americans waiting for a housing crash that experts say is unlikely to come? A recent Investopedia article outlined several reasons why now may actually be a smart time to buy.
Realtor.com is projecting a 3.7% increase in home values in 2026, and historically home prices rise ~4% per year. Prices simply don’t fall the way people expect.
And as one expert noted, “I’ve seen too many people lose money by sitting on their hands waiting for a crash that never comes.”
Remember: You can refinance a rate—but you can’t rewind the price.
Bottom line: If you’re able to buy now, the data shows that waiting for the “perfect moment” can end up costing more in the long run.
Happy House Hunting!
Special thanks for Jeff Tanaka at Envoy mortgage for this market update.
Jeff Tanaka
Envoy Mortgage
Sales Manager, NMLS # 316160
P: 805-927-3863
C: 805-459-5209
https://www.envoymortgage.com/jtanaka
jtanaka@envoymortgage.com
746 Main Street
Cambria, CA 93428
