10/15/2026
If buying a home is on your 2027 vision board, this is for you. 🏡
First, can we talk about the fact that the median first-time homebuyer is now 40? You’re not behind. Homeownership looks different for everyone, and there’s no one-size-fits-all timeline.
But if 2027 is your year, what you do right now matters.
A few things I’d avoid:
✖️ Financing a new car or taking on additional debt
✖️ Making large cash deposits without a paper trail
✖️ Changing jobs without understanding how it could affect financing
✖️ Relying solely on an online mortgage calculator
✖️ Letting interest rates keep you from exploring your options
Here’s what I’d do instead:
✔️ Stay current on payments and protect your credit
✔️ Keep your income and employment as consistent as possible
✔️ Talk to a lender and understand what you can comfortably afford
✔️ Get pre-approved when you’re ready to seriously shop
✔️ Build a relationship with a Realtor who can help you plan, not just open doors
You don’t need to have everything perfectly lined up to start the conversation. That’s what I’m here for.
2027 buyers, let’s get ahead of the game.
DM me and let’s put a plan together.
Emily Scarborough | Realtor®
Private Client Services | Greater Houston