The Problem with "Date the Rate and Marry the House"

We’ve all heard realtors and investors say, "Date the rate and marry the house."

It’s a catchy phrase designed to comfort buyers in uncertain markets: “Buy the house now, get a good deal, and you can always refinance later when rates drop.”

But there’s a flaw in this advice, one that could lead to financial strain for buyers who aren’t prepared.

The problem is simple: if house prices fall, you might not be able to refinance without bringing significant cash to the table.

Here’s how it can play out:

Let’s say you bought a house for $400,000 at a 7% interest rate—you're "marrying" the house but "dating" the rate.

A year later, rates drop to 6%, which looks like a great opportunity to refinance and lower your monthly payment.

But the housing market has also dropped, and now your home is only worth $350,000.

To refinance at the lower interest rate, you’d have to cover the...

I used to spend $3000 per month on a country club membership.

For years, I bought into the promise: “The value you will get in new relationships and business opportunities will far outweigh the cost.”

They painted a picture of a thriving network, business deals over cocktails, and friendships forged on the golf course.

Years later, I took stock of what I'd gained: Zero business relationships.

Zero business opportunities.

Instead, I found myself in an environment that felt stifling and unwelcoming.

The vibe was the exact opposite of what I had been promised.

The club was stuffy, the people were judgmental, and everything was a competition.

It seemed like most members were more interested in gossip than in genuine connections or mutual support.

I never felt comfortable there.

It wasn’t what I would call a “healthy environment.”

Now, keep in mind, I’m not a golfer.

Some people join a country club just to golf, and that’s great for them.

But I...

The reason I love copywriting is... It’s FREEDOM.

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