🌿 Thinking About Buying in 2026? Start With These 4 Steps.

If buying a home has been sitting quietly on your mind as we head into 2026, you’re not alone. A new year always brings a fresh wave of “maybe it’s time…” thoughts. In fact, if you read last week’s post about taking a fresh look at the place you call home, you might already be reflecting on what’s working — and what isn’t — in your current space.

If those reflections have you wondering whether a move could be in your future, these four simple steps will help you start preparing long before you ever step inside a showing.

1. Get Clear on Your “Why”

• Before you look at a single listing, take a moment to understand why you want to move.

• • Are you craving more space?
  • Looking for a shorter commute?
  • Wanting to be closer to family or better schools?
  • Ready to stop renting and build equity?

Your “why” becomes your compass — it helps you stay focused, make confident decisions, and avoid getting distracted by homes that look pretty but don’t actually fit your life.

2. Assess Your Finances + Clear Up Any Credit Issues

Once you know why you want to buy, the next step is making sure your financial foundation is solid.

This doesn’t mean you need perfect credit or a huge savings account — it simply means taking an honest look at where things stand today so you can make a plan for the months ahead.

• A few helpful places to start:
  • Review your monthly budget and spending habits
  • Check your credit score and credit report
  • Pay down small debts where you can
  • Set aside a little each month for savings
  • Resolve any credit issues early so they don’t slow you down later

These small steps now can make a big difference when it’s time to get pre‑approved.

3. Understand What You Can Comfortably Afford

This is where clarity becomes power.

• Instead of guessing or relying on online calculators, talk with a trusted lender early. I can recommend a great lender, who will help you understand:

• • your price range
  • your monthly payment comfort zone
  • how interest rates affect affordability
  • what you’ll need for a down payment and closing costs

Even if you’re months away from buying, this step gives you a realistic picture of what’s possible — and what to start preparing for.

4. Build Your Team Early

Buying a home is a big decision, and you shouldn’t navigate it alone.

• Connecting with a real estate professional early gives you:

• • guidance tailored to your goals
  • insight into local trends
  • access to upcoming listings
  • a strategy for timing your move

You don’t need to be “ready” to start the conversation. In fact, the earlier you reach out, the more prepared you’ll be when the right home appears.

🌟 The Bottom Line

If buying in 2026 is even a maybe, now is the perfect time to start laying the groundwork. A few simple steps today can make the entire process feel easier, clearer, and far less stressful when the moment comes.

And if you ever want to talk through your goals, explore neighborhoods, or get a sense of what’s possible — I’m here to help.

*Featured image from Canva