Let me tell you about a conversation I have at least once a week. A buyer reaches out, usually after months of quietly wondering, and starts with something like "I know I am probably not ready but..." And then they tell me their situation. And nine times out of ten my answer is some version of "why have you been waiting?" After 30 years as a mortgage advisor I have seen this pattern more times than I can count. Buyers who were ready, or close to ready, sitting on the sideli