Why Buying a Home Now Helps Build Long-Term Wealth

By Kyle Koller

Producing Branch Manager of UMortgage West - The #1 Producing Team at UMortgage

History doesn’t lie. Real estate has shown, decade after decade, that it’s one of the most reliable ways to build long-term wealth. Yes, there are moments when the market dips, but when you zoom out, the overall trend points upward.

The question is: Are you letting fear stop you from taking advantage of that?

What does historical data show? Over the past 83 years, home values have appreciated in the vast majority of those years. Only a handful of short periods saw declines, and even then, the market rebounded faster than most people expected.

Think about the early 90s or the 2008 financial crisis. Both were challenging moments, but both saw strong recoveries that pushed values even higher later on. That long-term resilience is what makes real estate such a powerful wealth-building tool.

Why market dips don’t change long-term outcomes. Downturns get a lot of attention, but appreciation has remained strong. Real estate has shown a consistent ability to recover, regain momentum, and continue climbing.

Since 2020, home prices have continued climbing in most markets. So if you’ve been waiting on the sidelines, hoping prices will fall or timing will feel “better,” you might be missing out on future gains. More often than not, the longer people wait, the more expensive it becomes to enter the market.

What’s the cost of waiting to buy real estate? A lot of people sit out because they want to time the market. But most of the time, people who wait end up paying more later. When values rise and interest rates shift, the cost of buying goes up. Acting early lets you benefit from future appreciation rather than chasing it.

That’s why the old saying still rings true: Don’t wait to buy real estate; buy real estate and wait.

Is now the right time to buy a home? Whether you’re a first-time buyer or someone looking to invest, now is a great time to look at your options. The long-term data clearly show that homeownership remains one of the most effective paths to building wealth, even through economic ups and downs.

If you’re ready to explore what’s possible, I can help you get pre-approved and walk you through your financial options. Let’s talk about your goals, run your numbers, and see if now is the right time to make a move. Click the link below to book a free consultation with me:

Schedule a 1:1 call with Kyle

You can also reach me at (801) 687-2018 or kkoller@umortgage.com. You don’t have to guess, I’ll help you make a smart, informed decision.