3 Smart Moves for Buyers in 2026

(and 3 Mistakes That Could Cost You)

Tim Maxwell

 

 

 

 

Mortgage rates gradually fell in 2025, from 7.04% in January to just under 6% by December—and there’s potential for further drops in 2026 if inflation cools and the Federal Reserve makes rate cuts. For buyers, this creates a real opportunity to lock in favorable rates and make homeownership more attainable. Knowing how to act strategically can save you money and set you up for success.

 

 

 

3 Things Homebuyers Should Do in 2026

 

 

 

1. Shop around for the best rates.

Even small differences in mortgage rates—0.25% to 0.5%—can save thousands over the life of a loan. Comparing lenders and fees ensures you get the most competitive deal and make your monthly payment more manageable.

 

 

 

 

2. Negotiate seller concessions.

With some buyers waiting on the sidelines, now is the perfect time to use your leverage. Sellers may cover closing costs or buy down your interest rate, giving you a financial edge and extra savings.

 

 

 

 

3. Consider homes that need minor updates.

 

Homes that need some work can be more affordable and give you room to negotiate. A strategic renovation, followed by refinancing, can build equity, reduce mortgage insurance, and make the home uniquely yours.

 

 

Ready to explore your options? Call me, Realtor Shay Brunson, at 678-744-8070 for a free first-time homebuyer consultation.

 

 

 

3 Things Homebuyers Should Avoid in 2026

 

 

 

1. Waiting for rates to fall dramatically.

Any 2026 rate drops are likely modest. Waiting could mean rising home prices offset any small savings—acting now can lock in current rates and give you certainty.

 

 

 

 

2. Expecting home prices to drop.

Most markets are projected to see modest price increases. Lowball offers could leave you out of a home you love. Smart buyers act now to secure a property while competition is manageable.

 

 

 

 

3. Overlooking total homeownership costs.

 

Mortgage rates are important, but also factor in taxes, insurance, and maintenance. Planning ahead ensures your budget stays comfortable and prevents surprises down the road.

 

Want help navigating the market and avoiding costly mistakes? Call me, Shay Brunson, at 678-744-8070.

 

 

 

 

Pro Tip: Get preapproved for a mortgage before you start shopping. A preapproval shows sellers you’re ready to act, giving you a competitive advantage.

 

Take the first step toward homeownership today—call Realtor Shay Brunson at 678-744-8070 and let’s make 2026 your year to buy!