As we settle into the new year, one thing is becoming clear: momentum is quietly building in the housing market.

📊 According to a new survey by NerdWallet, more Americans are starting to seriously consider homeownership again. Last year, only 15% of respondents said they planned to buy a home in the next 12 months. This year, that number rose to 17%.

That 2% increase might not sound like a huge leap, but in a market that’s been cooling over the past couple of years, it’s a meaningful sign of shifting buyer confidence.

More people are feeling ready—or at least closer to ready—to take the leap. And if you’re one of them, this is your nudge to begin preparing for your 2026 home search now. Whether you’re hoping to buy this spring or later in the year, the steps you take today can make all the difference when the time comes.

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Planning to Buy in Early 2026? Start With These 4 Steps.

1. Get Pre-Approved ✅

A mortgage pre-approval gives you a realistic picture of what you can afford, based on today’s interest rates and your financial profile. It also positions you as a serious buyer once you’re ready to make an offer.

Note: Most pre-approvals are only valid for 30–90 days, so it’s best to take this step once you’re getting closer to actively house hunting.

2. Run the Numbers 🧮

Take a good look at your full financial picture. What are you currently spending? What would your future mortgage payment look like? Getting clear on your budget now helps avoid surprises and ensures you’re buying within your comfort zone.

3. Define Your Must-Haves 🏡

Think about what matters most to you in a home: location, commute time, school district, layout, number of bedrooms, yard space, and beyond. Knowing your non-negotiables up front will help you make confident decisions when the time comes.

4. Choose Your Agent Early 👩‍💼

The best time to build a relationship with a real estate professional is before you’re ready to submit an offer. A trusted agent helps you understand local market trends, pricing strategies, and timing—all critical for a smooth homebuying experience.

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Buying Later in 2026? This Is Still Your Window To Prepare.

Even if you’re thinking of buying toward the end of the year, now is the time to lay the groundwork. So when you’re ready, you’re really ready.

Here are a few smart (and low-stress) ways to start preparing:

• Work on your credit. Even a modest boost in your credit score can impact your loan options and interest rate.
• Automate your savings. Set up automatic transfers to your savings account so you’re consistently building your house fund without even thinking about it.
• Lean into your side hustle. Every extra dollar counts. Freelance work or part-time gigs can make a big difference in helping you save for a down payment or closing costs.
• Put surprise money to work. Whether it’s a bonus, tax refund, or cash gift from a family member, consider earmarking it for your future home.

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Bottom Line: A Little Planning Goes a Long Way.

If buying a home in 2026 is part of your plan, don’t wait until you’re ready to make an offer to start thinking things through. Preparation is power. And at Energy Realty, we’re here to walk you through it—step by step, at your pace.

📲 Let’s start the conversation. Whether you’re months away or just curious about your options, we’ll help you build a plan that works for your timeline and goals.

Because every smart move starts with a strategy, and 2026 is your year to make it happen.