Interest rates are rising, but does that mean you should wait to buy?

In this episode of Dirt Secrets, Kim and Amanda break down what rising mortgage rates actually mean for buyers, sellers, builders, and real estate agents in the Central Florida market. Instead of reacting to national headlines, they look at the numbers behind the Orlando market, builder incentives, cash on hand, home prices, inventory, and the bigger picture buyers need to understand before making a decision.

The key isn't simply getting the lowest possible interest rate. It's understanding the entire cost of the deal and figuring out where your money works best.

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00:00 — Welcome to Dirt Secrets

00:55 — Rising Interest Rates: What Buyers Need to Know

02:35 — Why National Headlines Don't Tell the Whole Story

04:05 — Builder Incentives vs. Lower Home Prices

05:45 — Why Keeping Cash in Your Pocket Matters

07:25 — What's Happening in the Orlando Housing Market

09:10 — Why Buyers Shouldn't Try to Time the Market

10:45 — Is Now Actually a Good Time to Buy?

12:20 — Cash Buyers: Price Cuts or Incentives?

14:05 — Why Cash Is King in This Market

15:25 — Should Sellers Be Worried About New Construction?

17:05 — How Resale Sellers Can Compete With Builders

18:40 — Advice for Builders in a Changing Market

20:10 — Why Location Still Beats Upgrades

21:05 — How Agents Can Become More Valuable to Buyers

22:30 — Know the Data. Know Your Market.

23:15 — The Biggest Takeaway for Buyers 24:34 — Dirt Secrets Outro

The big takeaway: Don't let an interest-rate headline make the decision for you, look at the numbers, understand the incentives, protect your cash, and evaluate the entire deal before deciding whether to buy or wait.

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