01/26/2026
Want to buy a house in 2026? Start doing this now š
Step 1: Get a realtor early
Not when you are ready to tour, not when you find āthe one.ā A local realtor helps you build a plan, understand your market, and avoid mistakes long before you buy.
Step 2: Start paying credit cards strategically
I can connect you with a local lender who specializes in helping you strategically pay off debt to boost your credit score and get the best possible interest rate.
Step 3: Research closing costs in your state
Closing costs are typically around 4% percent of the purchase price, on top of your down payment. On a $400k home, you should expect to pay around $15k. In this current market, I can likely help you get this paid by the seller.
Step 4: Check your credit early
Pull your credit report and scores
Dispute errors and pay down balances
Avoid opening new credit lines if possible
Even small score improvements can mean better rates.
Step 5: Check your lease
Know when it ends, if you paid last monthās rent, and whether you can exit early. Most buyers should start touring homes about four months before their lease ends.
Step 6: Build your buying fund
Down payment
Closing costs
Moving expenses
Emergency cushion after closing
Buyers who feel calm post-closing are the happiest ones.
Step 7: Research neighborhoods (not just houses)
Commute, schools, lifestyle, flood zones
HOA rules and fees
Insurance costs in the area
The house can change. The location doesnāt.
Step 8: Avoid big financial changes
No new cars
No job hopping without a plan
No large unexplained deposits
Lenders care about stability more than people realize.
Step 9: Clarify your āmust-havesā vs ānice-to-havesā
Bedrooms, baths, layout
Outdoor space, parking, storage
New build vs resale
This avoids emotional decisions later.
Buying in 2026 is all about preparation. The earlier you start, the smoother it is.
š² DM me ā2026ā and Iāll help you map out a plan that actually works for your timeline.
