🚨 MORTGAGE RATES JUST HIT A ONE-YEAR HIGH… so should Arizona buyers STOP buying? 🏡📈 Not necessarily. Higher rates can hurt buying power, BUT they can also change the negotiation game. When some buyers back off, you may have less competition and potentially more opportunity to negotiate things like: 🏡 Seller concessions 💰 Closing-cost assistance 📉 Rate buydowns 🤝 Better terms The mistake is looking at the headline and automatically assuming you can’t afford to buy. Run the numbers first. Your actual rate, payment, and options depend on your credit, loan program, down payment, property, lender guidelines, and current market conditions. Thinking about buying in Arizona in the next 3, 6, or 12 months? 👇 Comment “PAYMENT” and I’ll help you figure out what buying could actually look like. Joe Ramirez | REALTOR® Barrett Real Estate 📲 520-406-2201 JoeRamirezRealtor #ArizonaRealEstate #ArizonaHomes #TucsonRealEstate #FirstTimeHomeBuyer #MortgageRates