Momentum is quietly building in the housing market, and buyers are starting to re-enter the conversation. According to new data from NerdWallet, more Americans are planning to purchase a home in the next year. While the increase may seem modest, it signals a meaningful shift after several years of cautious buyer activity.
For buyers in Redlands and the Inland Empire, this matters. As demand begins to rise, preparation becomes a competitive advantage. If buying a home in 2026 is on your radar, the smartest move is to start laying the groundwork now—well before you’re ready to write an offer.
Planning to Buy a Home in Early 2026? Start With These 4 Steps
If your goal is to move sooner rather than later, here’s where to focus first.
1. Get Pre-Approved
A mortgage pre-approval gives you clarity on your purchasing power and helps you understand what monthly payments may look like at current rates. Keep in mind that most pre-approvals are time-limited, so this step makes the most sense when you’re getting serious about your timeline.
2. Run the Numbers Honestly
Before you start touring homes in Redlands or nearby Inland Empire communities, take a close look at your budget. Factor in existing debts, lifestyle expenses, and future goals so you’re buying comfortably—not stretching to the limit.
3. Define Your Non-Negotiables
Knowing what matters most makes the process smoother. Think about location, commute, neighborhood feel, school districts, layout, and long-term lifestyle needs. Clear priorities help you make confident decisions when the right home appears.
4. Choose a Local Agent Early
The right Redlands real estate agent does far more than unlock doors. They help you understand pricing trends, neighborhood dynamics, negotiation strategy, and timing—well before you submit an offer.
Buying Later in 2026? Preparation Still Starts Now
Even if your move feels further out, the buyers who feel the most confident later are usually the ones who prepared quietly ahead of time.
Here are a few low-stress ways to get ready:
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Strengthen your credit: Improving your credit score can positively impact loan options and interest rates.
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Automate your savings: Consistent, automatic contributions make building a down payment easier.
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Increase cash flow: Side income, freelance work, or part-time opportunities can accelerate your savings.
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Use windfalls wisely: Tax refunds, bonuses, or gifts can make a meaningful difference when directed toward your home fund.
Small, steady steps now can open bigger opportunities later.
Bottom Line
If buying a home in Redlands or the Inland Empire is part of your 2026 plan, preparation is key. You don’t need to rush—but you do need a strategy.
Starting the conversation early gives you clarity, confidence, and options when the time is right. If you’d like help building a plan tailored to your goals and the local market, let’s connect and take the first step together.
Cristina Caministeanu
Redlands Realtor | eXp Luxury | ICON Agent
