Marry the Home Not the Mortgage

    By Brent Duhaime

    Marry the Home, Not the Mortgage: What It Really Means


    If you’ve been house hunting or talking to real estate professionals, you may have heard the phrase, “Marry the home, not the mortgage.” At first, it might sound like just another catchy saying, but there’s real wisdom behind it.


    Buying a home is one of the biggest financial and emotional decisions you’ll make. While mortgage rates can change, the house you choose will be where you build your life. That’s why it’s important to focus on finding the right home—not just securing the lowest interest rate.


    Why the Home Matters More Than the Mortgage


    1. Choose a Home That Truly Fits Your Life

    Forget about interest rates for a moment and ask yourself: Does this house feel right?

    • Is it in a location that suits your work, family, and lifestyle?
    • Does it have the space and features you need?
    • Can you see yourself living here for the long haul?

    At the end of the day, you’re not buying a loan—you’re buying a home. Finding a place that meets your needs should always come first.


    2. Mortgage Rates Are Temporary

    If today’s rates seem high, remember: they won’t stay that way forever.

    • Mortgage rates go up and down. If you lock in a higher rate now, you may be able to refinance later when rates drop.
    • If you wait too long, trying to time the market, you might miss out on a home that’s perfect for you. Instead of chasing the lowest possible rate, focus on whether the home itself is a good investment.


    3. Don’t Let Interest Rates Cloud Your Judgment

    Of course, mortgage rates affect your monthly payment, and budgeting is important. But too much focus on interest rates can lead you to make the wrong decision.

    • A low rate on a home that doesn’t meet your needs won’t make you happy.
    • A slightly higher rate on a home that’s a perfect fit can still be a great long-term decision.
    • You can always change your mortgage terms—but you can’t change a bad home choice as easily.


    Final Thoughts: What to Keep in Mind

    When buying a home, remember these three things:

    ✅ Find a home that makes sense for your lifestyle and future.

    ✅ Know that mortgages can be refinanced, but the home itself is what really matters.

    ✅ Make sure it’s financially smart, but don’t let rates alone make the decision for you.


    At the end of the day, your home is where life happens. Focus on finding the right place—and let the mortgage work itself out over time.