When Should You Start Preparing to Buy a Home for the 2026 Real Estate Season?

by Brent Wilk

Buying a home is one of life’s biggest adventures—and like any great journey, success comes down to preparation. If you’re eyeing the 2026 real estate season, you might be wondering: when should you start getting ready? The answer: sooner than you think!

Start Early, Stay Ahead

The real estate market can move quickly, especially during peak buying months. By starting your preparations a year or more in advance, you give yourself the best chance to land your dream home without unnecessary stress. Here’s a step-by-step timeline to guide you:

12–18 Months Out: Begin with a Vision

Picture your ideal home and neighborhood. What matters most—space, schools, commute, amenities?
Start browsing online listings to get a feel for prices and trends in your target areas.
Check your credit report and work on boosting your score if needed.

9–12 Months Out: Get Your Finances in Order

Review your savings and set a clear goal for your down payment and closing costs.
Avoid taking on new debts or making big purchases that could impact your credit.
Consider getting pre-qualified for a mortgage to understand your budget.

6–9 Months Out: Build Your Team

Research and connect with real estate agents who know your desired area well.
Start comparing mortgage lenders to find the best rates and terms.

3–6 Months Out: Get Serious

Obtain a mortgage pre-approval so you’re ready to make competitive offers.
Begin touring homes with your agent and refine your wish list as you see what’s out there.

1–3 Months Out: Ready, Set, Go!

When you find “the one,” be prepared to act quickly—homes can sell fast in a hot market.
Stay organized with your paperwork and responsive to your agent and lender to keep things moving smoothly.

A Final Thought

Even if 2026 feels far off, laying the groundwork now can make all the difference. Think of it as planting seeds for your future—by the time the season blooms, you’ll be ready to harvest the home of your dreams.