Blog

toy wooden house and small toy shopping cart on table. Internet shopping concept.

<h2>When is the Best Time to Buy a Home?</h2><figure id="figure-sz77egl0d9ln6jrk5u"><img id="sz77egl0d9ln6jrk5u" src="https://cdn.durable.co/shutterstock/29uXUPN8DSZQOTQwZUsIPSrVEOT5V4GPIT9EDUWprdfsD8lipZJcQbNvQD9mbVw0.jpeg" alt="New house keys with a calendar." class="object-cover bg-gray-100 rounded-2xl md:rounded-3xl lg:rounded-4xl" style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="When is the best time to buy a home?" data-positionx="undefined" data-positiony="undefined" data-mce-src="https://cdn.durable.co/shutterstock/29uXUPN8DSZQOTQwZUsIPSrVEOT5V4GPIT9EDUWprdfsD8lipZJcQbNvQD9mbVw0.jpeg" data-mce-style="aspect-ratio: 16/9; object-position: center center;"><figcaption class="body-normal text-gray-500 mt-2">When is the best time to buy a home?</figcaption></figure>Buying a home is a big deal, and doing it at the right time can make the whole thing a lot easier and cooler. But when is the right time? Let’s break it down.<h3>Why Timing Matters</h3>The housing market is like a roller coaster, sometimes up, sometimes down. When you buy can affect how much you pay and how many houses you have to choose from.Being Ready PersonallyThe best time to buy a home? **When you are ready**. That means you’ve got the money, you’re in the right headspace, and you’re ready for this big step.<figure id="figure-zjmjf45bcln6jto7a"><img id="zjmjf45bcln6jto7a" src="https://cdn.durable.co/shutterstock/38P5uOxC4f56QZaE7Cu2esYTnr5ld8K2PYx0UwaUklFdIKD9vQwL5hQx0L4q2E0M.jpeg" alt="A piggy bank for home savings" class="object-cover bg-gray-100 rounded-2xl md:rounded-3xl lg:rounded-4xl" style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="Saving to buy a house" data-positionx="undefined" data-positiony="undefined" data-mce-src="https://cdn.durable.co/shutterstock/38P5uOxC4f56QZaE7Cu2esYTnr5ld8K2PYx0UwaUklFdIKD9vQwL5hQx0L4q2E0M.jpeg" data-mce-style="aspect-ratio: 16/9; object-position: center center;"><figcaption class="body-normal text-gray-500 mt-2">Saving to buy a house</figcaption></figure> <h3>Money Matters</h3>Before you even think about buying a house, you gotta check your money situation.Checking Your Money HealthDo you have enough savings? How’s your credit score looking? It’s like getting a report card but for your money. We have tools that can help get you on track.&nbsp;Getting a Mortgage Pre-approvalGetting pre-approved for a mortgage is like getting a VIP pass to a concert. It shows sellers you’re serious and you know what you can spend. Sellers expect a pre-approval with an offer.<figure id="figure-w20qisxekln6jwq1f"><img id="w20qisxekln6jwq1f" src="https://cdn.durable.co/shutterstock/f7IhCGtSglhvv80J4NPiF4XKHnFjdPOJVv3uNAR8vd2j9Gytcsl3WvYx2Kvs9ZRV.jpeg" alt="Financial graph for housing" class="object-cover bg-gray-100 rounded-2xl md:rounded-3xl lg:rounded-4xl" style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="What's up with the housing market?" data-positionx="undefined" data-positiony="undefined" data-mce-src="https://cdn.durable.co/shutterstock/f7IhCGtSglhvv80J4NPiF4XKHnFjdPOJVv3uNAR8vd2j9Gytcsl3WvYx2Kvs9ZRV.jpeg" data-mce-style="aspect-ratio: 16/9; object-position: center center;"><figcaption class="body-normal text-gray-500 mt-2">What's up with the housing market?</figcaption></figure> <h3>What's Up with the Market?</h3>The housing market changes all the time, thanks to a bunch of boring adult stuff like the economy. Since buying a house is the ultimate in adulting, we can work with you to learn more about the market.&nbsp;Real Estate Market Ups and DownsSometimes it’s a buyer’s market (yay for you), and sometimes it’s a seller’s market (not so yay). Knowing the difference can help you choose when to buy.Interest Rates and Why They MatterInterest rates are like the temperature, when they’re low, buying a house is more chill because your mortgage payments will be lower. The bad side is then everyone else wants a low payment too and the house of your dreams may go to another buyer.&nbsp;When the rates are higher you can get the house you want for a better price, suck up that payment for a bit and when rates drop you can lower the price by refinancing. This is big time adulting!<figure id="figure-nr5t08ssuln6k0b6e"><img id="nr5t08ssuln6k0b6e" src="https://cdn.durable.co/shutterstock/1e6uKOfajwcG939SFv1EAYcI2VkvsZAquboJ7wdPvLnTOdbMwDbAnunvNmNVlOqJ.jpeg" alt="A house buried in snow. " class="object-cover bg-gray-100 rounded-2xl md:rounded-3xl lg:rounded-4xl" style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="There are seasons to the real estate market" data-positionx="undefined" data-positiony="undefined" data-mce-src="https://cdn.durable.co/shutterstock/1e6uKOfajwcG939SFv1EAYcI2VkvsZAquboJ7wdPvLnTOdbMwDbAnunvNmNVlOqJ.jpeg" data-mce-style="aspect-ratio: 16/9; object-position: center center;"><figcaption class="body-normal text-gray-500 mt-2">There are seasons to the real estate market</figcaption></figure> <h3>Seasonal Shopping</h3>Believe it or not, there are seasons for buying houses too!Busy and Slow SeasonsSpring and summer are like the blockbuster seasons, while fall and winter are the chill, indie seasons. Each has its perks. Although every area is a bit different. For example in Washington, fall can often be a better time for a buyer than summer.&nbsp; <figure id="figure-png6sxhn9eln6k8h5q"><img id="png6sxhn9eln6k8h5q" src="https://cdn.durable.co/shutterstock/dHTrI9QbYsO06qpj7HkgcmFlFJmdXRxdZPj8kdXifZbK1hVXsZiltxdQwwxGBG78.jpeg" alt="drone image above a neighborhood." class="object-cover bg-gray-100 rounded-2xl md:rounded-3xl lg:rounded-4xl" style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="Where you buy a home matters." data-positionx="undefined" data-positiony="undefined" data-mce-src="https://cdn.durable.co/shutterstock/dHTrI9QbYsO06qpj7HkgcmFlFJmdXRxdZPj8kdXifZbK1hVXsZiltxdQwwxGBG78.jpeg" data-mce-style="aspect-ratio: 16/9; object-position: center center;"><figcaption class="body-normal text-gray-500 mt-2">Where you buy a home matters.</figcaption></figure><h3>Location, Location, Location</h3>Every place has its own vibe and its own housing market scene. Let's dive into that.Different Places, Different SituationsSome cities are super expensive (looking at you, New York), while others are more on the affordable side. Also, some places have a lot of houses for sale, and others, not so much. It's all about checking out the scene in the area you're eyeing. In Washington, the closer to a big city, the more expensive it can be.&nbsp; <figure id="figure-x3l3ppc0zyln6kapo5"><img id="x3l3ppc0zyln6kapo5" src="https://cdn.durable.co/shutterstock/dULyi0x1TiT48RMhO8B6GxPbg3tZZ6Te56bl0TrmL790zydgmccfVB9eDAWyeVAK.jpeg" alt="A wedding sign" class="object-cover bg-gray-100 rounded-2xl md:rounded-3xl lg:rounded-4xl" style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="Life can change and so can your needs." data-positionx="undefined" data-positiony="undefined" data-mce-src="https://cdn.durable.co/shutterstock/dULyi0x1TiT48RMhO8B6GxPbg3tZZ6Te56bl0TrmL790zydgmccfVB9eDAWyeVAK.jpeg" data-mce-style="aspect-ratio: 16/9; object-position: center center;"><figcaption class="body-normal text-gray-500 mt-2">Life can change and so can your needs.</figcaption></figure><h3>Life Stuff</h3>Life throws curveballs, and sometimes those curveballs decide when you're moving into a new place.Family and Moving AroundMaybe your family is growing, or you got a new job in a different city. These life changes can kinda push the "It's time to buy a house" button. <figure id="figure-3u0616ilqhln6kgqty"><img id="3u0616ilqhln6kgqty" src="https://cdn.durable.co/shutterstock/6AWTWkJxGCxCw0JoqlkFAIdCHIGvawuqLC5mlO35y2VzU1438hkoUMv7xxKoONYp.jpeg" alt="A house, keys, cash, loan stamp and calculator" class="object-cover bg-gray-100 rounded-2xl md:rounded-3xl lg:rounded-4xl" style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="Now you're ready to buy a house" data-positionx="undefined" data-positiony="undefined" data-mce-src="https://cdn.durable.co/shutterstock/6AWTWkJxGCxCw0JoqlkFAIdCHIGvawuqLC5mlO35y2VzU1438hkoUMv7xxKoONYp.jpeg" data-mce-style="aspect-ratio: 16/9; object-position: center center;"><figcaption class="body-normal text-gray-500 mt-2">Now you're ready to buy a house</figcaption></figure><h3>Getting Ready to Jump In</h3>Alright, so you've checked your money, scoped out the market, and life is pointing towards "Go." What’s next?Finding Your SquadBuying a house is a team sport. You'll need people in your corner coaching you through it like a real estate agent, and a mortgage broker.Hunting for Your New PadNow comes the fun part - house hunting! It's like a shopping spree but for where you're going to live. Make a list of what you want, check out different places, and take your time deciding. <figure id="figure-o5ifc35h4rln6kjx8l"><img id="o5ifc35h4rln6kjx8l" src="https://cdn.durable.co/shutterstock/30BVWjFctOSizMhUTSeQTVaBwW4oCk1X7sYxxYCH76EeH1hLUgOCns6YDGG0YAyg.jpeg" alt="Call me sign" class="object-cover bg-gray-100 rounded-2xl md:rounded-3xl lg:rounded-4xl" style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="Let's get started. Call me!" data-positionx="undefined" data-positiony="undefined" data-mce-src="https://cdn.durable.co/shutterstock/30BVWjFctOSizMhUTSeQTVaBwW4oCk1X7sYxxYCH76EeH1hLUgOCns6YDGG0YAyg.jpeg" data-mce-style="aspect-ratio: 16/9; object-position: center center;"><figcaption class="body-normal text-gray-500 mt-2">Let's get started. Call me!</figcaption></figure> <h3>Wrapping It Up</h3>So, there you have it. Buying a house is a big game with lots of players and moving parts. But with the right timing and the right squad, you can score your dream pad.<figure id="figure-70l93ofo7yln6km8ht"><img id="70l93ofo7yln6km8ht" src="https://cdn.durable.co/shutterstock/3akubkqZjZoKxdG0ipLs5FVYp8H1i6Qz4sbihZ5iCTjAOYQhXBU0HPj3AILmklXq.jpeg" alt="A house asking a question" class="object-cover bg-gray-100 rounded-2xl md:rounded-3xl lg:rounded-4xl" style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="Questions about Red Estate?? " data-positionx="undefined" data-positiony="undefined" data-mce-src="https://cdn.durable.co/shutterstock/3akubkqZjZoKxdG0ipLs5FVYp8H1i6Qz4sbihZ5iCTjAOYQhXBU0HPj3AILmklXq.jpeg" data-mce-style="aspect-ratio: 16/9; object-position: center center;"><figcaption class="body-normal text-gray-500 mt-2">Questions about Red Estate??</figcaption></figure> <h3>Questions You Might Have</h3>1. Why do interest rates matter when buying a house? &nbsp; &nbsp;- Lower interest rates mean lower monthly payments. It’s like a sale on the price of borrowing money! It also means you could be competing for a house. Sometimes it better to get your dream home when rates are higher and prices lower then refinance into a lower rate when interest comes down. Think of all the equity you'll gain!2. What’s a buyer’s market? &nbsp; &nbsp;- It’s when there are more houses for sale than people buying. You have more choices and can maybe get a better deal.3. How do I know if I’m financially ready to buy a house? &nbsp; &nbsp;- Check your savings, your income, and your credit score. It’s like seeing if you have enough juice to power your home-buying adventure. Call me. You may need less than you think.&nbsp;4. Why do I need a real estate agent? &nbsp; &nbsp;- They’re like your tour guide in the wild world of buying a house. They know the ropes and can help you find that perfect spot.5. What’s the deal with different seasons for buying a house? &nbsp; &nbsp;- More houses are usually for sale in spring and summer, but you might find better deals in the fall and winter when things are quieter.---<figure id="figure-apxg9s32kfln6krzhr"><img id="apxg9s32kfln6krzhr" src="https://cdn.durable.co/shutterstock/60LzdDH0RZWMjaEcpJuyfL8CwrIdTGHdaGBlu4LusL4nd5yCQgALsWkOdme9xO77.jpeg" alt="Life begins at the end of your comfort zone" class="object-cover bg-gray-100 rounded-2xl md:rounded-3xl lg:rounded-4xl" style="aspect-ratio: 16/9; object-position: undefined undefined;" data-corners="default" data-aspect="16:9" data-caption="You know how to buy a house. Take action. " data-positionx="undefined" data-positiony="undefined" data-mce-src="https://cdn.durable.co/shutterstock/60LzdDH0RZWMjaEcpJuyfL8CwrIdTGHdaGBlu4LusL4nd5yCQgALsWkOdme9xO77.jpeg" data-mce-style="aspect-ratio: 16/9; object-position: undefined undefined;"><figcaption class="body-normal text-gray-500 mt-2">You know how to buy a house. Take action.</figcaption></figure> This wraps up our simplified guide on when to take the plunge into homeownership. Whether it's understanding the market or getting your squad together for house hunting, each step is a stride towards snagging your own cool space.<figure id="figure-k8rho4y9ggln6lj963"><img id="k8rho4y9ggln6lj963" src="https://cdn.durable.co/blocks/1fOykOm3jhNErDMQjfdgQS5Wt9wSn9eehwHzMPTWZgdmHMAtVyT2QZS89tu010fi.png" alt="Contact information" class="object-cover bg-gray-100 rounded-2xl md:rounded-3xl lg:rounded-4xl" style="aspect-ratio: 16/9; object-position: 20% 40%;" data-corners="default" data-aspect="16:9" data-caption="Contact Nicky Elliott" data-positionx="20%" data-positiony="40%" data-mce-src="https://cdn.durable.co/blocks/1fOykOm3jhNErDMQjfdgQS5Wt9wSn9eehwHzMPTWZgdmHMAtVyT2QZS89tu010fi.png" data-mce-style="aspect-ratio: 16/9; object-position: 20% 40%;"><figcaption class="body-normal text-gray-500 mt-2">Contact Nicky Elliott</figcaption></figure>

Blog

The Best Time to Buy a Home