Living July 30, 2026

6 Commonly Missed Cleaning Spots

It’s easy to get into a routine when cleaning your home season after season, year after year. While simply going over the same spots may make your home feel cleaner, at the same time, it allows the neglected areas to become dirtier. Here are six commonly missed spots around the home that, once given the attention they deserve, will help make your home feel completely clean.

6 Commonly Missed Cleaning Spots

1. Underneath & Behind Furniture

Dirt and dust love to hide in tough-to-reach, tucked-away spots like behind your nightstand, under your bed frame, and on the underside of your tables, chairs, and couches. Cleaning these areas may require some heavy lifting and rearranging but it’s worth your while. If enough dust and grime have accumulated over the years that your vacuum can’t remove the buildup, try using a washcloth to loosen the sediment.

2. Vents and Fans

Vents and fans not only collect dust, but they also distribute it around your home. Ceiling fans are one of the hardest spots in your home to reach, so you may need to use a ladder and an extended duster to clean them. Clean your vent grates with a dusting brush or a wire brush depending on the thickness of the buildup. If your home has central air, remember to replace your air filters periodically. A clean ventilation system is key to protecting your home’s air quality.

3. Bathroom Surfaces

We all know the feeling of picking up a rarely used shampoo bottle in the shower to discover a grimy ring underneath it. Wipe off your bottles and surfaces in the shower to keep it sparkling clean. Scrub away the debris from your shower head and soak it in a mixture of water and white vinegar to cleanse the device and to prevent a buildup of mineral deposits. To reach behind the toilet, you may need knee pads and an extended cleaning tool. Use a disinfectant-water mixture to prevent the spread of germs. Tackling chores like these will help make your bathroom feel brand new in no time.

4. Switches & Handles

Light switches, door handles, drawer pulls, and knobs are all hotbeds for germs and dirt and can easily be forgotten while cleaning your home. Take a two-step approach to cleaning these high-touch surfaces: first clean, then disinfect. Cleaning will get rid of contaminants, while disinfecting targets pathogens. The combination of the two will help make your home feel cleaner while reducing the spread of germs. Other high-touch surfaces such as keyboards, phones, tablets, and other devices require regular cleaning as well.

5. Appliances

It’s easy to think of your appliances strictly as devices that help your home stay clean and organized, but they are magnets for dirt and gunk, too. After cleaning out the refrigerator and scrubbing down the shelves, find the coils and clean them of debris with a vacuum or a brush. The floor underneath your refrigerator can be a seriously grimy spot, so a quick mop of that area is worth your while. Give your dishwasher a good cleanse to prevent mold buildup and bad odors. Remember to clean out the filter occasionally with soap and water. Cleaning your appliances routinely can help avoid repairs and can even extend their life expectancy.

6. Baseboards

Baseboards are the perfect settling point for dirt and dust. The space between your walls and floors is an easy trap for buildup, and upon closer inspection, you’ll find some combination of scuffs, dust, food remnants and scratch marks. To thoroughly clean your baseboards, you may need to move your furniture away from the walls but be careful not to scratch the floor or damage the baseboards. Wipe away the dust before cleaning the surface. Use either a mix of soap and water, water and vinegar, or the proper wood cleaner for wooden baseboards.

Real Estate News & Information July 28, 2026

High Rates, Prices Drive King County Buyers Toward Adjustable-Rate Mortgages

King County homebuyers are increasingly turning to adjustable-rate mortgages to reduce their monthly homeownership costs. With the county’s median home price approaching $1 million and mortgage rates stubbornly above 6%, the affordability pressures driving this trend continue to grow.

Unlike traditional fixed-rate mortgages, adjustable-rate mortgages start with a lower interest rate that remains fixed for an initial period of several years before adjusting with the market. That lower starting rate is the primary draw for buyers looking to reduce their monthly payments.

In 2025, 36% of King County home purchases involved an adjustable-rate mortgage. Across Washington, adjustable-rate mortgages made up nearly a quarter of home loans, the highest share the state has seen since 2007. With mortgage rates on the rise again due to inflationary and political pressures, and no Federal Reserve cuts expected, experts say that share is likely to keep climbing.

Adjustable-rate mortgages are typically 0.5% to 1% lower than conventional fixed-rate mortgages, totaling a minimum savings of roughly $244 per month on a $750,000 loan at today’s rate. In King County, where prices routinely exceed that figure, the savings can be even more significant.

Many buyers are betting that rates will fall before their fixed period ends, allowing them to refinance, or plan to sell before their rate adjusts at all. Industry experts describe it as a relatively low-risk approach for buyers who do not expect to stay in their home beyond the typical seven-year window.

Adjustable-rate mortgages carry a stigma from the 2008 financial crisis, when they played a central role in a wave of foreclosures. Lenders at the time offered extremely low introductory rates lasting only two or three years and approved practically anyone regardless of their ability to repay. By 2004, these loans made up half of all home loans in Washington. When borrowers could not afford the higher rates, the fallout reshaped the housing market for years.

Today’s adjustable-rate mortgages are a different product entirely. Lenders must now verify that borrowers can afford the loan at higher post-introductory rates, initial fixed periods are longer, and rate discounts are more modest, making the kind of payment shock that defined the 2008 crisis far less likely.

With ongoing affordability concerns statewide and across King County, adjustable-rate mortgages offer a way to reduce the initial cost of the loan. In large part, their increasing popularity stems from the growing gap between home prices and what many borrowers can afford.

This post was based on information found on Puget Sound Business Journal.

SOLD July 23, 2026

SOLD: Rare 5-BR, 2200-SF, 2-Level Shorewood Home

HELPED BUYERS GET UNDER CONTRACT

11633 18th Avenue SW
Burien, WA 98146
Sold: $775,000

  • Beds: 5
  • Baths: 2
  • Size: 2,200 sqft
  • Year Built: 1960
  • Lot Size Area: 7,200.00 sqft
  • Garage Spaces: Yes
  • Heating: Heat Pump
  • Cooling: Central Air, Heat Pump
  • County/Parish: King
  • Subdivision: Shorewood
  • MLS #: 2528701
  • CLIP #: 2605605269

Rare 5-bedroom, 2200 SF two level home located in the desirable Shorewood neighborhood. Spacious entry leads to the great room with hardwood floors, fireplace, oversized windows, and dining room space. The kitchen features expansive granite countertops, ample cabinet and storage space, and newer Energy Star certified stainless steel appliances. The primary bedroom is on the main floor along with two additional bedrooms and a full bathroom. The lower level features a family room with second fireplace, office space, two more bedrooms, and a second full bathroom. Includes a large storage room and laundry room. Walk out to the patio and generous backyard featuring a large stone fireplace, beautiful trees and tiered lavender garden. Storage shed and one-car garage ensure nothing needs to be left outside. Conveniently located near the scenic trails and shorelines of Seahurst, Lincoln and Westcrest Parks. Just minutes from Burien, White Center, and West Seattle for a diverse array of shopping and dining. Easy freeway access to downtown, SeaTac and just around the corner from the Rapid Ride H line. The neighborhood block parties are not to be missed!

 

Real Estate Listings July 21, 2026

NEW LISTING: Rare Townhome-Style Condo in Maple Leaf

8800 20th Avenue NE #B202
Seattle, WA 98115
Listed: $440,000

  • Beds: 2
  • Baths: 2
  • Size: 1,098 sqft
  • Type: Condominium
  • Year Built: 1979
  • Heating: Baseboard, Forced Air
  • Cooling: None
  • HOA Fee: $637 Monthly
  • Pets Allowed: Cats OK
  • County: King
  • Subdivision: Maple Leaf
  • MLS #: 2553608
  • CLIP #: 4202152358

Rare townhome-style condo offering the perfect blend of privacy, sophisticated design, and an unbeatable Maple Leaf location. Thoughtfully remodeled with quartz countertops, premium appliances, luxury vinyl plank flooring, and a cozy fireplace, this home is enhanced by Philips Hue smart lighting, smart thermostats, skylights, and a private balcony. The sunlit loft creates the ideal home office or flex space, while custom PAX closet systems, abundant storage, a Miele washer & dryer, dedicated storage unit, and parking add everyday convenience. Well-managed HOA with no upcoming special assessments. Minutes to Maple Leaf Reservoir, Green Lake, University Village, light rail, dining, shopping, and I-5.

Click here for more information.

Sellers July 16, 2026

Home Appraisals Explained: What Sellers Should Expect

If you’re selling your home, there’s a good chance you’ll hear the word appraisal shortly after accepting an offer. While it may feel like just another step in the transaction, a home appraisal plays an important role in many home sales, especially when a buyer is financing their purchase with a mortgage.

For many sellers, the appraisal process can feel daunting and mysterious. Who orders it? What does the appraiser actually look at? And what happens if the home appraises for less than the agreed-upon purchase price?

Understanding what happens during a home appraisal can help you prepare your home, set realistic expectations, and navigate the process with confidence. Here’s what every seller should know.

What Is a Home Appraisal?

A home appraisal is an independent evaluation of a home’s current market value conducted by a licensed appraiser. In most financed home purchases, lenders require an appraisal before approving the buyer’s loan to verify that the property’s value aligns with the amount they’re lending.

Although the buyers generally pay for the appraisal as part of their closing costs, the appraiser’s responsibility is to the lender. Their job is to provide an objective opinion of the home’s value by evaluating the property itself and comparing it to similar homes that have recently sold nearby.

When Does the Appraisal Happen?

Once a seller accepts an offer and the purchase agreement is signed, the buyer’s lender will usually order the appraisal early in the transaction. The timing can vary, but it typically occurs within the first few weeks of escrow.

The appraiser will coordinate a time to visit the property. While sellers don’t necessarily need to be present during the appointment, someone will need to provide access to the home. After the inspection, it may take several days for the completed appraisal report to be delivered to the lender.

What Does an Appraiser Look For?

During the visit, the appraiser evaluates both the home’s condition and the features that contribute to its market value. They also consider recent sales of comparable homes in the area, often called “comps”, to help determine how your home compares to similar properties in the current market.

They’ll typically examine:

  • Overall size and layout
  • Number of bedrooms and bathrooms
  • Interior and exterior condition
  • Quality of construction finishes
  • Major systems such as the roof, HVAC, plumbing, and electrical
  • Recent renovations or improvements
  • Lost size and usable outdoor space
  • Garage, parking, or additional structures
  • Energy-efficient features or notable upgrades

The appraiser also takes photographs and measurements of the property to include in the final report. It’s important to remember that an appraisal isn’t the same as a home inspection. While inspectors look for potential defects or maintenance issues, appraisers focus primarily on determining the home’s market value based on its quality and features.

Can Sellers Prepare for an Appraisal?

While sellers can’t control the final valuation, they can take several steps to present the home in its best light.

  • Complete small repairs
  • Finish ongoing projects
  • Improve curb appeal
  • Clean and declutter
  • Create a list of improvements

What Happens If the Appraisal Comes in Low?

If the appraised value meets or exceeds the purchase price, the transaction typically moves forward as planned. The buyer’s lender now has confirmation that the property’s value supports the loan amount, allowing financing to continue toward closing.

A low appraisal doesn’t automatically mean the sale is over, but it may require additional conversations between the buyer and seller. Some possible outcomes include:

  • The buyer covers the difference
  • The seller reduces the price
  • Both parties negotiate
  • The buyer challenges the appraisal
  • The transaction doesn’t move forward

While a low appraisal can feel discouraging, an experienced agent can help you understand the results, explain your options, and work with all parties to determine the best path forward.

Whether you’re preparing to sell or simply exploring your options, a Windermere agent can help you understand your home’s value, navigate changing market conditions, and guide you through every step of the selling process.

Real Estate News & Information July 14, 2026

Local Market Update – July 2026

Inventory continued to grow across all four of our local market areas in June, creating a more balanced environment than we’ve seen in recent years. Compared to June 2025, home prices softened in each market area, and buyers are benefiting from increased selection and more negotiation power. Well-prepared, competitively priced homes continue to attract strong interest, so seller strategy matters more than ever.

KING COUNTY 

King County continued its transition toward a more balanced market as active listings increased 16% year over year. The additional inventory likely contributed to the 5% decline in the median residential sold price, bringing it to $986,250. As buyers gained options, sellers showed more flexibility, with nearly one-third of homes selling after a price reduction. Pending sales slipped 8% from a year ago, a sign that buyers are active but more selective. In the condo segment, the median price dropped 11% while active listings increased 18%.

SEATTLE

In June, Seattle remained one of the more competitive markets in the region, even as conditions continued to balance out. Active listings increased just 3% year over year, the smallest bump among our four market areas. The median residential sold price fell to $1,010,000, down 6% from last year and 3% from May. Well-positioned homes remained in demand, with 30% selling above asking price and 80% going under contract within 30 days. At the same time, buyers were more deliberate and patient than in years past, and pending sales dropped 11% while closed sales fell 7%. The condo market followed similar trends, with the median price dropping 5% to $557,475 as active listings rose 9%.

EASTSIDE 

The Eastside posted the region’s largest inventory gain in June, with active listings climbing 29% year over year. Available inventory reached 3.3 months of supply, a new 10-year high. The median price for a single-family home edged down 3% year over year to $1,560,000. Sellers adjusted to lowering prices and growing inventory, with nearly 40% of sales closing only after a price reduction. Buyers acted quickly: 78% of homes sold within 30 days. Pending sales declined 9% year over year, highlighting the importance of preparation and pricing. Eastside condos followed the same pattern, with the median price down 11% and active listings up 29%.

SNOHOMISH COUNTY

Snohomish County stood out last month as the only one of our four markets with year-over-year increases in both pending sales and closed sales, rising 8% and 3%, respectively, even as active listings rose 26%. The median residential sold price settled at $750,000, down 8% from last year and 6% from May. Sellers adapted to the shift, and 32% of homes sold after a price adjustment. Buyer activity remained high, with nearly three-quarters of homes going under contract within 30 days. In the county’s condo market, the median price fell nearly 20% to $487,500 as active listings increased 43%.

LOOKING AHEAD

As we move through the heart of summer, inventory growth continues to reshape our local housing market. Buyers are gaining options and leverage, while sellers who price strategically and prepare their homes thoughtfully are achieving the strongest results. Although elevated interest rates and affordability challenges will likely influence buyer decisions in the months ahead, today’s more balanced market creates opportunities on both sides of the transaction. An experienced Windermere advisor can help you understand local conditions, identify opportunities, and develop a strategy aligned with your real estate goals.

Read more.

Living July 9, 2026

5 Tips to Organize Your Closet

An untidy closet can clutter your mind. Organize your closet section by section and you’ll improve your morning routine, get rid of extra belongings, and clean up your home in the process. Before you begin your closet purge, it helps to visualize how you want it to look. Your closet’s size and dimensions will determine much of what you’re able to accomplish, but the goal is to get it nice and neat regardless of size. Here are a few tips to help you get started.

5 Tips to Organize Your Closet

1. Start From Scratch

Before you can build up the closet you’ve wanted, you have to empty out the old one. Start by clearing your closet of all your belongings and placing them in nearby storage. Take out all your hangers and any clothing bins that aren’t fixed in place. This allows you to take a step back and build from the ground up. It’s also an opportunity to clean the corners and hard-to-reach areas that don’t normally make it into your cleaning routine.

2. Add Shelves

Take measurements while your closet is empty to see what shelving can fit. When shopping for shelves, consider your wardrobe inventory. Do you have more pairs of shoes than pants? Which items take up more space than others? This will help you decide on the perfect set of shelves to address your needs. Keep in mind that the most commonly used items should go toward the front of your closet for easy access. Seasonal items like raincoats, snow gear, and bathing suits that you don’t use as often can go toward the back. Design your shelves to address these needs.

3. Maximize Space

Maximizing your closet space comes down to two main factors: design and storage. You can have the best closet design in the world, but if it doesn’t allow room for storage, then your wardrobe will be overflowing before you know it. Shelves with multipurpose storage and vacuum bags are two space-saving products that can make a huge difference in available space. A clothing rack is a useful tool, not only because it allows you to hang clothing neatly along the rod, but some products also come with underneath storage that can free up even more space.

 

A Caucasian woman buttons a shirt hanging on the door of her wardrobe. She has organized her closet with her pants and shirts neatly folded behind her.

Image Source: Getty Images – Image Credit; miljko

 

4. Use Corners

Yes, your closet walls provide a nice home for shelving, clothing racks, hanging rods and the like. However, they’re not the only space where you can focus your organizing efforts. Instead of missing out on the negative space in the corners of your closet, use them to your advantage. Search for corner shelves that fit within your dimensions and fill them with items you would have had to place elsewhere. You’ll be surprised at how much space they can save.

5. Curate Your Closet

Now that you’ve taken steps to organize your closet, you’re ready to curate it. Iris Miyasaki (wardrobebysaki.com) is an expert in closet curation. As she puts it, closet curation is a stylistic approach to organization; it’s all about looking at your wardrobe through the lens of how those pieces get used in your life and arranging from there. “When you can see all your clothes, shoes, and accessories, you’ll want to use them more. I focus on creating a visual palette for my clients, whether that means organizing by color, silhouette, or types of items. The idea is to create a closet they’ll want to ‘shop’ in,” says Miyasaki. Once your closet is cleaned out, you’ll have freed up the mental space to look at your closet with curation in mind.

For more on all things home décor and homeowner tips, head to the Living section of our blog:

Windermere Blog – Living

 


­­­­­­Featured Image Source: Getty Images – Image Credit: wip-studiolublin

Living July 7, 2026

Essential Tips for Building the Grilling Station of Your Dreams

Summer is the season for outdoor entertaining, which means it’s time to fire up the grill and dust off the patio furniture. But is your yard the grilling paradise you want it to be, or is it more of a fixer-upper? Here are a few tips to get your backyard in prime shape for the searing, savoring, and relaxing to come.

What’s your vision?

Before diving into the details, let’s start with the vision question: What kind of grilling station do you want? Are you aiming for a cozy spot to share meals with friends and family? Or are you looking to transform your yard into the ultimate grilling paradise? Setting clear goals will guide your preparations and upgrades.

Basic grilling setup

If your goal is a simple, functional space where a few friends can share a meal, focus on the essentials:

Choose a less-trafficked location:

Even a small grill station will take up significant space, not to mention the crowd it may attract. With that in mind, avoid situating it in areas of high foot traffic, such as near the stairs of your deck or along a main walking path. Be sure to provide ample room between the barbecue and your backyard seating.

Pick the grill for you:

If you’re looking to buy a new grill, consider your tastes and needs. Do you love imparting a rich, smoky flavor to your grillables? Charcoal may be your jam. If you prefer speed, convenience, and temperature control, gas is the likely choice. Keep in mind that simple charcoal grills are often more convenient for small yards, as you can easily move them aside when you’re done grilling. Most standalone gas grills come on wheels, but their bulk and weight make them less mobile in comparison. Growing in popularity, electric grills may be the safest and most convenient option—you’re always stocked with fuel—but purists may balk at grilling over anything but an open flame. Plus, repairs can be costly.

Create a prep area:

Your grilling area will be greatly enhanced with a prep and serving station. It doesn’t need to be elaborate—even a small table or cart can do the job. Ideally, it’ll have room for your grilled foods, condiments, and utensils. Even better if it can hold items like a cutting board, plates, and serving platters.

Make your guests comfy:

The right combo of seating will add the social touch to your BBQ setup. Bench seating is a popular option for grilling on the deck, while chairs on the grass impart more of a picnic feel. Choose enough seating for your typical group size, with a mix of chairs and perhaps a small table or two. A picnic table is a popular choice if you have the space. Also consider an umbrella or canopy for shade and weather protection.

Build some ambience:

Installing a fire pit will create a fun social space once the sun goes down. Plenty of styles are available, including simple tabletop models, fire pit bowls, metal standalones, and rustic chimineas. In making your choice, consider factors like cost, style, size, and how the fire pit matches your yard’s design. Adding String lights, lanterns, and/or tiki torches can also make your yard more inviting.

Mixed gender and diverse ethnic group of friends gathering by the pool, with string lights and barbecue, enjoying an informal evening party outdoors.

Mixed gender and diverse ethnic group of friends gathering by the pool, with string lights and barbecue, enjoying an informal evening party outdoors.

Ultimate grilling Shangri-La

If you’re dreaming of a more elaborate outdoor kitchen and entertainment area, start planning for these features:

Add a high-end grill and smoker:

Some backyard chefs take grilling seriously. If your smoked brisket and grilled stuffed peppers are already a point of pride, consider upgrading to a smoker or high-end grill. Smokers cook at lower temperatures over a longer period, which infuses meats with deep, smoky flavors and results in incredibly tender and juicy textures. High-end gas grills have a host of features that set them apart from basic grills, including more cooking space, better heat distribution, and built-in thermometers for precision cooking. Many also offer innovative side burners for cooking up veggies or boiling water.

Install outdoor countertops:

The most memorable outdoor kitchens mimic indoor kitchens, complete with ample counterspace, underside storage, and often a built-in dishwasher, sink, and/or fridge. Installation can be complicated, especially if you add plumbing or electrical, but the final product can transform your outdoor living space into a culinary haven. Select a durable material that suits the style of your home and your cooking style. Natural stone, concrete, or tile are good choices. Make sure to include plenty of built-in storage for grilling tools, utensils, and outdoor dining essentials.

Create a comprehensive seating area:

Outdoor living is a different mindset than backyard grilling, so look for ways to integrate multiple seating areas, including a dining table, lounge chairs, an outdoor sectional, and possibly a bar area (bonus points if it blends seamlessly with your countertops). Not only can you host bigger gatherings, but you can move your party from one area to another as the evening progresses (very sophisticated). You can get more mileage out of your space by adding a pergola or retractable awning for all-weather entertaining.

Enhance your lighting:

Built-in lighting can improve both your space’s functionality and its ambiance. At the minimum, install task lighting for areas where you’ll be doing most of the cooking and prep work and ambient lighting such as string lights or wall-mounted sconces around the seating areas. Consider accent lighting to showcase some of your area’s most elegant features, such as architectural details, plants, or pathways.

Upgrade your sound:

A myriad of sound systems are available to set the mood, from basic weather-resistant speakers that connect to your phone via Bluetooth to integrated sound systems that communicate with your home’s existing audio setup. More advanced setups have different audio zones for different areas, such as louder music near the grill and softer music near the dining or lounging spaces.

By starting with a clear vision and breaking down the process into manageable steps, you can create the ideal grilling station for your wants and needs. And remember, you can always start simple and build toward your dream outdoor kitchen in the future. Happy grilling!

Buyers July 2, 2026

What is a Buyer’s Market?

Much can be determined about the conditions of a local real estate market by examining supply and demand. When the supply of available homes exceeds buyer demand, it’s known as a buyer’s market. Reduced listing prices, longer days on market, and an increase in price reductions are all common signs of a buyer’s market.

While market conditions can vary widely by region, neighborhood, or price point, understanding how a buyer’s market works can help you navigate your home search when opportunities arise.

What is a Buyer’s Market?

A buyer’s market creates favorable conditions for those looking to purchase a home. With more homes available than active buyers, sellers often face increased competition for attention. This gives buyers more options and, in many cases, greater flexibility throughout the home buying process.

In a buyer’s market, inventory levels tend to be higher, allowing buyers to take more time to compare homes and identify the right fit. Properties often remain on the market longer, and sellers may be more willing to adjust pricing or offer concessions to attract qualified buyers.

It’s important to remember that real estate markets are local. Even when broader market conditions favor buyers, some neighborhoods or property types may remain highly competitive.

To better understand what’s happening in your area, connect with a Windermere agent for insight into local inventory, pricing trends, and market activity.

How to Approach a Buyer’s Market

While a buyer’s market can create advantages, having a clear strategy remains important. Buyers often can be more selective, carefully comparing homes and evaluating their options without the urgency that typically accompanies a seller’s market.

A buyer’s market can also create favorable conditions for negotiations. With fewer active buyers competing for homes, sellers may be more willing to negotiate on price, closing costs, repairs, or other terms. This is one reason why working with a buyer’s agent can be especially valuable. An experienced agent can help identify opportunities, navigate negotiations, and guide you through each stage of the buying process.

If you’re selling your current home while searching for your next one, you may have a better chance of including a home-sale contingency in your offer. While contingent offers are often challenging to secure in highly competitive markets, sellers may be more receptive when buyer demand is lower. When structured properly, a contingency can provide added flexibility by allowing you to complete the sale of your current home before moving forward with a purchase.

Homes that have been on the market for an extended period can also present opportunities. Longer listing times may indicate that sellers are more open to negotiating. However, buyers should still work closely with their agent to evaluate the home’s value and develop a competitive offer strategy.

In many buyer’s markets, sellers take extra steps to make their homes stand out. This can include completing repairs, making updates, improving curb appeal, or offering incentives to attract buyers. As a result, buyers may have additional leverage when negotiating repairs or requesting concessions during the inspection process.

Even in a buyer’s market, preparation remains key. Having your financing in order, understanding your budget, and working with a knowledgeable real estate professional can help you act confidently when you find the right home.

Buyers June 29, 2026

Planning Ahead: A 12-Month Guide to Buying Your First Home

Thinking about buying a home can be daunting, especially if it’s your first time. What should be an exciting milestone can feel overwhelming without a clearly defined roadmap, and diving in headfirst without a solid plan can lead to unnecessary stress, financial surprises, and missed opportunities. However, by establishing a timeline and breaking the process down into manageable steps, you can move forward with confidence and clarity.

Here is your month-by-month guide to preparing for a successful home purchase in the following year.

12 – 10 Months Out

Know Your Why

Understand your motivation for buying. Are you relocating, growing your household, or ready to invest in your future? Clearly defining your “why” will help shape your search criteria and influence your budget, location, and timeline.

Set Clear Goals

Start to think about what you want in your new home. Create a list of your wants versus must-haves, including location, budget, size, and style of home. These goals will act as a compass throughout your search. Be sure to include your ideal timeline and what you hope to get out of the overall experience.

Find an Agent That Prioritizes Your Goals and Timeline

A trusted real estate agent is more than just a facilitator; they’re a guide, negotiator, and advocate. Look for someone who understands your timeline and long-term vision and is familiar with the local market. Ask them to provide a first-time buyer’s guide or checklist to help you get started. Building this relationship early allows your agent to understand your needs and preferences in advance, setting the stage for a smoother process when you’re ready to make your move.

9 – 7 Months Out

Assess Your Finances

Take a close look at your income, debt, and spending habits. Use this time to create a monthly budget that includes future mortgage payments, utilities, insurance, taxes, and home maintenance. Many experts recommend spending no more than 28% of your gross monthly income on housing costs.

Boost Your Credit

Your credit score has a significant impact on your buying power, including your mortgage rate and loan approval. Take the next few months to pay down high-interest debt, stay current on all payments, and avoid opening new credit accounts. Check your credit report for errors and work on improving your score if needed.

Start Saving

You’ll want to have enough set aside not only for a down payment, which is typically 3% to 20% of the purchase price, but also for closing costs, moving expenses, and initial home repairs or furnishings. During this time, try to avoid nonessential major purchases and think about setting up a dedicated home savings account to stay consistent.

6 – 4 Months Out

Talk to a Financial Advisor

A financial advisor can help you align your financial goals with your homebuying plans. They can offer advice on what you can realistically afford and help identify areas to strengthen your financial readiness. You can also use tools like an online mortgage calculator to get a clearer idea of what your future monthly payments might look like.

Research Homebuyer’s Courses & Guides

Take advantage of first-time homebuyer resources, guides, and online courses. The more you know earlier on, the more confident you’ll feel.

3 – 2 Months Out

Familiarize Yourself with the Market

Start browsing homes and monitoring prices in the neighborhoods you’re interested in. Learn whether your local market is currently favoring buyers or sellers and what that could mean for your strategy.

Meet with a Lender and Get Pre-Approved

Meeting with a lender and getting pre-approved can help give you a clear picture of how much you can borrow and what price range to shop within. It also shows sellers that you’re a serious buyer when the time comes to make an offer. Your realtor can recommend trusted lenders to work with and assist you through this process.

Start Your Home Search

Now that you have your list of wants and needs and know your price range, you’re ready to start searching for your dream home. Use online property research tools to filter by location, features, and price to see what’s available in the locations you like. Narrow down your top homes and start scheduling showings and comparing listings.

1 Month Out

Make an Offer

Once you find “the one,” your agent will help you craft a competitive offer, negotiate terms, and guide you through contingencies.

Get a Home Inspection
If your offer is accepted, a licensed inspector will identify any issues with the property before you finalize your purchase. Depending on what comes up, this can give you leverage to negotiate repairs or price adjustments.

The Time Has Come

Closing On Your New Home
You’ve made it! During closing, you’ll sign paperwork, pay final costs, and receive the keys to your new home. Your agent and lender will walk you through the final steps to ensure everything goes smoothly.

Buying a home may seem like a big leap, but with a solid 12-month plan and the right support, it can be an extremely rewarding experience. Take it one step at a time and know that a trusted agent is here to help whenever you’re ready.