The decision to buy a home is never just about numbers. For many, it’s about emotion, timing, and a sense of security that renting rarely provides. But right now, with interest rates fluctuating and inflation still causing ripples through nearly every sector, the question on many buyers’ minds is simple: should I buy now or wait for the Federal Reserve to cut rates? The answer is, unfortunately, not simple at all. Take Jenny and Marcus, a couple living in Dallas. They've been saving for a down payment for over three years. In early 2022, they were eyeing a cozy three-bedroom in a neighborhood they loved, but decided to hold off, thinking mortgage rates might drop. Fast-forward to today—home prices in that same area have gone up, and interest rates remain significantly higher than they were when they started looking. The same house now feels just out of reach. They're not alone. Mortgage rates are one of the biggest deciding factors for home affordability. And while the Feder...