If you’ve been holding off on buying a home in hopes that the market will shift in your favor—you might want to rethink that strategy. In a recent conversation with Emily Merbitz of Keller Williams, a top-producing broker and long-time Brevard County expert, we uncovered the realities of today’s market that every buyer needs to hear.

Inventory is Up. Time is On Your Side. Emily points out that the housing market in 2025 is far more balanced than in the past few years. With increased inventory and longer days on the market, buyers now have time to breathe, consider options, and avoid the panic-buying of the “unicorn years.”

Prices Are Still Rising—Just More Slowly While the rapid price hikes of the pandemic may be behind us, appreciation hasn’t stopped. Especially here on the Space Coast, where economic growth and space industry expansion continue to drive demand, prices are expected to keep ticking up. Waiting could mean paying more.

Rates Aren’t the Enemy—Education Is the Key Interest rates have stabilized, but many buyers are still sidelined by fear. As Emily explained, education is the best antidote. With the right lender, buyers can explore strategies like rate buydowns and seller-paid closing costs that make homeownership more affordable—even in today’s climate.

Delaying Could Mean Missing Out What if rates drop suddenly? History shows that floods of buyers can drive prices up almost overnight. Waiting could mean missing out on your dream home—or getting priced out altogether.

So What Should You Do?

• Get pre-approved now, even if you’re not ready to buy today.

• Educate yourself on financing options.

• Talk to a local expert who knows your market.

At Morgan Financial, we’re here to guide you every step of the way. Whether you’re buying now or preparing for later this year, we’ll help you understand your numbers, explore creative financing, and get you ready to act when the time is right.

📞 Reach out to Morgan Financial today to schedule a no-pressure consultation and take control of your home buying journey.

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