Don't Wait For 4% Rates - Harsh Truth About St. George Housing

Stop waiting for 4% rates. They're never coming back.Best case? Mid-fives. Maybe. Here's what's actually happening in St. George and why waiting could cost you.What You'll Learn:Why 4% rates are fantasy (and who profits from you believing it)How 1-point rate drop = ~$400/month savingsBuilder buydowns offering 3.99% TODAY on select homesSt. George stability: migration + lifestyle demand10-year track record: homes go up consistentlyWhen waiting hurts vs when to actReal downsizing case: equity into near-zero housing costsThe Truth:A one-point rate drop saves $400/month or expands buying power from $500K to mid-$500s. While everyone waits, some builders offer 3.99% NOW. Affordability has improved from 2022 lows. The Parade of Homes is entertainment—real buyers transact daily.The 10-Year Reality:If your timeline is 2 years, risk dominates. Across 10 years, history favors owners. Choose timing by life needs, not headlines. Then use data to negotiate and protect downside.Have other questions about living in, moving to, or visiting St. George and Southern Utah? Just ask! P. 435-291-5443E. [email protected]: www.GoStGeorge.comInsta: https://www.instagram.com/larkingroupFB: https://www.facebook.com/StGeorgeExperts🌟 Who? Jeremy Larkin was born and raised in St. George, Utah and is the owner of The Larkin Group Real Estate Advisors.📍 Where? Washington and Iron County, Utah, including, but not limited to St. George, Washington City, Ivins, Santa Clara, Hurricane, LaVerkin, Toquerville, Cedar City and Parowan. 💈  What?  Jeremy and his team of expert advisors at The Larkin Group walk the best clients in the world through the brain surgery of Buying, Selling and Investing Southern Utah Real Estate! And perhaps more importantly, they LOVE this community and pouring their heart and soul into it!📻  Tune in! Jeremy is the host of The "St. George Real Estate Morning" Drive radio show 94.9 FM / 890 AM. You can stream the weekly program Thursdays at 8:35 AM here: https://tinyurl.com/radiorealestate   🙏 Give: The St. George Basket Brigade feeds 200+ families every Thanksgiving and supports local families, students and schools through organizations like Tan's Treats. Learn more and give at http://stgeorgebasketbrigade.org/🔍  SEARCH ALL HOMES AND LAND in Washington County https://www.gostgeorge.com/ 🔗 CHECK YOUR CURRENT HOME EQUITY @ https://www.gostgeorge.com/homevalue[00:00:00] Bold Promises, Real Talk[00:03:48] The Interest Rate Reality Check[00:07:50] Affordability Trends And Perspective[00:12:30] What A 1% Rate Drop Actually Does[00:15:30] Should You Act Now Or Wait[00:17:10] A Real Downsizing Story And Takeaways[00:23:40] How To Reach The Larkin Group