Mortgage Rates: When to buy or Refinance

Mortgage timing isn't a one-size-fits-all conversation. The right answer depends on your full financial picture — your cash flow, your other goals, your tax situation, and how long you plan to stay in the home. That's the lens I bring to every client conversation, and it's the lens behind everything shared in this interview. If you're weighing a home purchase, a refinance, or just trying to make sense of what you're reading in the headlines, I'd welcome a conversation. No pressure, no pitch — just a clear look at your options.