Understanding market trends, financing options, and timing considerations can help you make confident, informed decisions. Here’s what to keep in mind as you plan for the year ahead.
Plan Early in a Low-Inventory Market
Housing inventory is expected to remain limited, which means fewer homes available and increased competition among buyers. In a market like this, early planning becomes a major advantage.
By preparing ahead of time—reviewing your finances, understanding your options, and defining your goals—you’ll be better positioned to act quickly and competitively when the right home comes along.
Understand Updated Loan Guidelines
Loan guidelines continue to evolve, and 2026 brings higher conforming loan limits of $832,750 in many areas. This change may allow more buyers to qualify for conventional loan programs instead of jumbo financing.
Additionally, buyers may see more flexible options related to down payments, PMI structures, and overall affordability. Staying informed on these updates can open new opportunities and expand your purchasing power.
Refresh Your Pre-Approval
Even if you’re not planning to move right away, updating your mortgage pre-approval is a smart step. A refreshed pre-approval gives you a clear understanding of your budget and helps you move quickly when the right home becomes available.
Being prepared allows you to shop with confidence and act decisively when timing matters most.
Review Your Equity and Financial Position
If you’ve owned your home for a few years, you may have built meaningful equity. Reviewing your equity and financing options early can help you create a strategy that aligns with your goals, timeline, and long-term plans.
This step provides clarity and ensures you’re making decisions from a position of strength.
Start the Conversation—No Pressure
If 2026 might be your year to move, the best first step is a simple conversation. Planning ahead gives you options, flexibility, and peace of mind—without any obligation or pressure.
Let’s schedule a quick check-in to map out your next move. With the right plan in place, you’ll be ready when the time is right.