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Buying

Buy now or wait for rates to fall?

No one knows when rates will fall. Here's how to weigh buying now against waiting, and what a later refinance really costs.

OCT 2026
Licensed in Texas, Florida, Colorado, and Oklahoma.
Equal Housing Opportunity
NMLS 1470572Lendid Loans, LLC · NMLS #1470572

Lendid Direct is a dba of Lendid Loans, LLC · NMLS #1470572 · Equal Housing Opportunity

Lendid Loans, LLC is a licensed mortgage broker in Texas, Florida, Colorado, and Oklahoma. All loans originated through Lendid Direct are brokered by Lendid Loans, LLC. This is not a commitment to lend. Programs, rates, terms, and conditions are subject to change without notice. All loans subject to credit approval. NMLS# 1470572.

All rates shown are for informational purposes only and are subject to change without notice. Actual rates may vary based on creditworthiness, loan amount, loan-to-value ratio, property type, and other factors.

5900 S Lake Forest Dr, Ste 300, McKinney, TX 75070

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE COMPANY OR A LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE, SIGN AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV.

© 2026 Lendid Loans, LLC. All rights reserved.

Rate disclosures

Lendid Loans, LLC is a licensed mortgage broker in Texas, Florida, Colorado, and Oklahoma. All loans originated through Lendid Direct are brokered by Lendid Loans, LLC. This is not a commitment to lend. Programs, rates, terms, and conditions are subject to change without notice. All loans subject to credit approval. NMLS# 1470572.

Each rate card on this site states the scenario it is based on and the time the rate was retrieved. Rates are subject to change without notice and may vary based on creditworthiness, loan amount, loan-to-value ratio, property type, and other factors.

Your actual rate, APR, points, and monthly payment depend on credit, property, occupancy, loan amount, loan-to-value, and program eligibility, and are confirmed only after underwriting.

APR (Annual Percentage Rate) reflects the total cost of borrowing including certain fees and closing costs, expressed as a yearly rate. APR may differ from the interest rate.

Closing timelines vary by file and by third parties including appraisers, title, and insurers. Refinancing may increase the total cost of your loan over its life.

Equal Housing Opportunity. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.