Have you been thinking for a while now about making a move to a new home? Maybe you're growing out of your current house. Or perhaps you currently own more home than you need. Lately, it seems that there are a lot of homeowners out there waiting to make a move, but in reality, there's no time like the present to sell your house and move into something new.

So, why wait? Due to market fluctuations during the last few years, a lot of potential buyers and sellers have been taking a "wait and see" approach to a move, but with the future of interest rates uncertain and currently on a steady rise (although still attractive and affordable), it's time to get off the sidelines and make that move. Why? Here are a few reasons:

• Right now, it's a seller's market. If you've been thinking of putting your home up for sale, now is a great time to do so. Inventory in many markets is on the low side – which is not to say that you won't be able to find a new home, just that it may take a little longer to find the perfect property. Do a little research into what's available in your target area as you prepare to put your own home on the market.

• Interest rates are on the rise. While not at the historic lows seen after the housing bubble, there are still affordable rates out there. But no one really knows how long those good rates will last. It's time to capitalize on what's available now rather than hedging your bets and hoping that good interest rates hold out in the long term. For certain buyers – namely those looking for a jumbo mortgage on a larger or luxury property – interest rates are actually competitive with those on conforming loans.

• With lenders understandably cautious in the wake of an unprecedented rise in foreclosures and short sales, it takes longer to get a mortgage these days. By starting the process now and making sure to get pre-approved before you head out house hunting, you'll be in good shape when you do find that dream house. Expect to see your buying power closely scrutinized and be prepared to provide plenty of backup paperwork and records when pursuing financing. The good news is that if you have secure employment and good credit, you're a stellar candidate to qualify for the mortgage that you want.

The reality is that when it comes to real estate, the future is always in question. Playing the waiting game isn't necessarily the best decision, because no one really knows for sure what the market might do. Right now is a great time to start the process of a home sale or purchase. By partnering with a savvy real estate agent, you'll ensure that you're in a good position to take advantage of all of the current market's benefits.