I hear “we’ll wait until rates come down” almost every week. I get it. I just don’t think the wait is going to be short.

In April, Jamie Dimon told a room of global investors in Oslo: “The way it’s going now, there will be some kind of bond crisis, and then we’ll have to deal with it.”

At his last annual meeting as CEO in May 2025, Warren Buffett said: “Obviously, we wouldn’t want to be owning anything that we thought was in a currency that was really going to hell.”

Two of the most respected money people in the country are both worried about the same thing: how much our government borrows.

Here’s the simple version. Our national debt is now bigger than our entire economy, about 124% of GDP. When a country owes more than it produces in a year, investors want a bigger return to keep lending to it. That pushes up the 10-year Treasury, and mortgages and commercial loans are priced off that number.

So what does that mean for you?

Buyers: the rate you’re waiting for may not show up. Buy the right property and refinance if you get a break later.

Sellers: price for the market we have now, not the one we had in 2021.

Companies moving to Texas: your growth won’t wait on the Fed. Central Texas cities are still competing for you, so use that while it lasts.

If you’re on the fence, let’s talk it through. Link in the comments.

People first. Property second.



#RealEstate #CentralTexas #CommercialRealEstate #InterestRates #KWCommercial