Florida buyers who continue postponing purchases, hoping for significantly lower interest rates, may discover that waiting costs more than buying now, according to Loodmy Jacques of The Jacques Team, who reports that spring 2026 could represent the last opportunity to leverage current market advantages before rate cuts trigger increased competition and higher prices.
“If you wait until interest rates come down significantly before doing it, the prices will come up, and then you have missed the boat,” Jacques warns. “This is your last time to do something.”
The logic is straightforward: when rates drop meaningfully, the surge of buyers returning to the market will drive increased competition and higher prices. Any savings from lower financing costs could be eliminated—or exceeded—by higher purchase prices.
Market Momentum Building
South Florida’s real estate market has started 2026 with noticeably stronger activity compared to last year’s sluggish beginning, Jacques reports. Transaction volume has increased as buyers accept current interest rates around 6% and recognize that waiting indefinitely for optimal conditions may mean missing current advantages…