Want to Buy a House in Early 2026? | A Real Estate Professional serving Silicon Valley since 1993

Mortgage rates may ease in 2026, inventory should improve, but competition remains; buyers prepared early can act quickly and secure.

Start preparing finances now: take homebuyer education courses, review budgets realistically, plan expenses, and understand mortgages before seeking preapproval confidently.

Check credit early, pay down debt, keep balances low, and budget for taxes, insurance, closing costs, and post-closing repairs surprises.

Twenty percent down isn’t required; explore FHA, VA, lender programs, grants, and buy when personally ready, not market timing fears.