A lot of buyers in Des Moines are still waiting for rates to fall under six percent. Here’s what they’re not seeing. THE MATH (DES MOINES EXAMPLES): Buy today at 6.2% 500K home with 20 percent down Monthly payment: about $2,470 Wait a year for 5.5% Same home now 520K Monthly payment: about $2,360 You save around 110 dollars/month, but the home costs 20K more. You’d wait well over a decade to break even. WHAT’S HAPPENING LOCALLY (DECEMBER 2025): Rates sitting around 6.2 to 6.3%, the lowest since

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