By David Parks · eXp Realty · The Apollo Group · 2 min read
The Short Answer
Waiting only helps if your finances improve or you expect better terms. Trying to time the perfect moment is difficult, so focus on your readiness and the cost of waiting.
Illustration by David Parks
Reasons to wait
You need time to save a down payment or reserves.
Your credit score needs improvement.
Your job or income is uncertain.
You may move within a few years.
Reasons not to wait
If your budget fits, you plan to stay put, and you have found a home that works, waiting may mean paying rent longer and facing future price or rate changes. If rates drop later, you may be able to refinance.
Quick Poll
What do you most want to understand about the market?
The answer depends on your plans. Talk with David and he will give you a straight answer.
Questions to ask
What is your monthly payment comfort level? How long will you stay? How much will you pay in rent while you wait? What would change your mind?
Run the numbers
Talk with a lender about different scenarios, and ask your agent how long similar homes have been taking to sell. The right time to buy is when your finances, goals, and the right home line up.
Key Takeaways
Reasons to wait: You need time to save a down payment or reserves.
Reasons not to wait: If your budget fits, you plan to stay put, and you have found a home that works, waiting may mean paying rent longer and facing future price or rate changes.
Questions to ask: What is your monthly payment comfort level?
Run the numbers: Talk with a lender about different scenarios, and ask your agent how long similar homes have been taking to sell.
This article is general information, not legal, tax, financial or inspection advice. Every home and situation is different, so confirm details with a licensed inspector, lender, attorney or tax professional.
David is a Greater Denver real estate advisor with eXp Realty and The Apollo Group (Colorado broker license FA100103211). He has closed more than $55 million in volume, earned eXp Icon status in 2025, and holds a 5.0 rating on Zillow from 27 verified reviews.