After a period of slower activity, interest in buying homes is starting to pick up again. Recent data from NerdWallet indicates that more Americans are thinking about homeownership in the near future. In 2024, around 15% of those surveyed said they planned to buy a home within the year. That number has grown to 17% this year. While the increase might seem small, it’s notable in a market where many buyers have hesitated due to high mortgage rates and affordability concerns.
This trend points to a key shift: confidence is gradually returning. More people are starting to feel that owning a home in 2026 is achievable, and they’re beginning to take initial steps toward that goal.
If that describes your situation, now is a great time to start preparing. You don’t need to rush into a purchase, but laying the groundwork early can put you in a stronger position when the time comes.
Planning to Buy in Early 2026? Here’s Where to Begin
If you’re aiming to move sooner rather than later, taking these preparatory steps can give you a head start:
Get pre-approved for a mortgage
A pre-approval gives you a clear idea of how much home you can afford and what your monthly payments might look like. Most pre-approvals are valid for 30 to 90 days, according to Experian, so it’s best to start this process when you’re close to beginning your home search.
Create a realistic budget
Review your finances carefully, including bills, savings, and lifestyle expenses. Understanding how a mortgage fits into your monthly budget can help you avoid stretching yourself too thin and reduce future stress.
Define your must-haves
Before browsing listings, clarify what’s truly important to you—location, commute, layout, school districts, and lifestyle needs. Knowing your non-negotiables upfront makes decisions faster and more confident later.
Reach out early
Connecting with me sooner rather than later gives you an advantage. I can guide you on pricing, competition, timing, and strategy well before you submit an offer, making the process smoother and more informed.
Buying Later in 2026? You Can Start Preparing Today
Even if your home purchase is further down the line, the steps you take now can make a big difference later. Buyers who plan consistently tend to feel the most confident. Here are some low-pressure ways to get ready:
Strengthen your credit
You don’t need perfect credit to buy a home, but a higher score can open better loan options and interest rates. Paying bills on time and reducing debt can improve your score over time.
Automate your savings
Set up automatic transfers to your home savings account. This helps you stay consistent and keeps the money earmarked for your future purchase rather than everyday spending.
Increase your income where possible
Extra income from side gigs, freelance work, or part-time jobs can help. Even temporary boosts can add to your down payment or emergency fund.
Use windfalls wisely
Unexpected funds like tax refunds, bonuses, or gifts can have a big impact if directed to your home-buying savings rather than regular expenses.
Whether you plan to buy early in 2026 or later, preparation brings clarity and flexibility. When you understand your finances, priorities, and options, you’ll be ready to act confidently when the right opportunity arises. Ready to get started? Contact me today, and let’s make a plan!
