If you’ve been sitting on the sidelines waiting for mortgage rates to come down, you’re not wrong—and you’re definitely not alone. In San Diego, this pause has been thoughtful, cautious, and frankly very human. Big decisions deserve confidence. That said, timing matters, and so does understanding the trade-offs . The Real Advantages of Waiting Lower monthly payments (potentially).  If rates dip meaningfully, your buying power improves and cash flow feels easier—especially imp