Mortgage rates remain volatile but have eased from recent highs, while active listings are up 7.9% year-over-year — 28 consecutive months of inventory growth — giving buyers more options, more negotiating power, and more time with a median of 70 days on market. Rather than reacting to headlines, agents who win client trust use a three-question framework: Is the client financially ready? How long do they plan to stay? And what exactly are they waiting for? Rates are forecast to average around 6.3% for 2026, and both Fannie Mae and NAR project home prices up 2–4% this year — meaning waiting has a real, measurable cost. The difference between a good agent and a great one isn't access to data — it's the ability to translate that data into a confident, calm answer when a client calls and asks: "Is now a good time to buy?"