Thinking about waiting until 2026 to buy a home in Frisco or Prosper?

You might want to rethink that plan — because the sweet spot for buyers could actually be happening right now.

The Myth of the “Perfect Time” to Buy

A lot of potential homebuyers are sitting on the sidelines, waiting for that perfect moment — the lowest mortgage rates, the best prices, the dream deal.
But here’s the truth: you never know when a market has peaked or bottomed out until after it happens.

Despite all the doom-and-gloom headlines suggesting prices are crashing or the economy’s slowing, the local data in Frisco and Prosper tells a very different story.

Home Prices Have Been Surprisingly Stable

Home prices in Frisco and Prosper have remained remarkably steady over the past year.
Yes, there have been small month-to-month fluctuations, but overall, prices aren’t falling — and they’re certainly not crashing.

What has changed is inventory.
There are now more than double the number of homes for sale compared to a year ago.
And that increase in supply has opened the door to opportunities we haven’t seen in quite some time.

Why This Is a Unique Window of Opportunity

Right now, sales activity is at a 30-year low, largely because of buyer hesitation.
That’s leading both resale sellers and new home builders to become much more flexible and aggressive in negotiations.

You’re seeing:

• More price reductions

• Better rate incentives

• Sellers willing to negotiate repairs and closing costs

• Builders offering special discounts and upgrades

These conditions don’t usually last long. Once mortgage rates dip below 6%, many of those waiting buyers will rush back into the market — and when that happens, supply will shrink, sellers will tighten up, and prices will start climbing again.

Builders Are Quietly Offering Big Deals

If you’ve followed my channel, you know I’m a big fan of quick move-in new construction homes.
They often provide the best overall value for today’s buyers — especially right now.

From the homes I’ve toured recently, I’ve been surprised at what builders are willing to do beyond what’s published online.
In several cases, sales counselors have said, “If you have someone ready, we can go even lower than what’s listed — and include both a rate buy-down and a price reduction.”
That’s an opportunity we haven’t seen in years.

But once those buyers return to the market, those incentives will disappear fast.

What the Smart Buyers Are Doing

The most strategic buyers I’m working with today are:

1. Locking in the home that checks most (if not all) of their boxes.

2. Negotiating the best possible price and incentives while competition is low.

3. Planning to refinance later when rates come down — capturing today’s deals with tomorrow’s rates.

It’s the best of both worlds:
You buy now at a great price, and you can always refinance later when conditions improve.

A Word of Caution — This Isn’t “Marry the House, Date the Rate”

To be clear, I’m not suggesting you buy a home just because rates might drop later.
That “marry the house, date the rate” mentality caused problems for some buyers in past years.

What I’m saying is this: if you’re ready, willing, and able to buy a home today — and can comfortably afford it at current rates — then this window may be your best chance to get the right home, at the right price, with the right incentives.

Because if you’re waiting for mortgage rates to drop back to 3% or 4%, you’re likely going to be waiting a very long time.

My Honest Take

Based on what I’m seeing here in Frisco and Prosper, waiting until 2026 probably isn’t in your best financial interest.

This combination of higher inventory, motivated sellers, and strong builder incentives is rare — and it may not last through next spring.

In more than 25 years of working in real estate, I haven’t seen a local market quite like this one.

Ready to Explore Your Options?

If you’d like a clearer picture of what’s available right now — including the best builder incentives and quick move-in homes — I’d be happy to help.

👉 Schedule a free 30-minute consultation

During that call, we’ll review what you’re looking for, explore current opportunities that match your goals, and build a plan that makes sense for you.

Final Thoughts

The headlines may be noisy, but the local numbers tell the truth — and right now, that truth favors the well-prepared buyer.

Don’t let fear or uncertainty keep you on the sidelines.
If you can afford to buy and are ready to make a move, 2025 might just be your perfect moment.

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