Planning to Move in Early 2026? Start with These 4 Steps

If buying a home in early 2026 is on your radar, now is the perfect time to start preparing. The most successful buyers don’t wait until listings hit the market, they lay the groundwork early so they can move with confidence when the timing is right.

Whether you’re a first-time buyer or planning your next move, these four steps will help you create a clear strategy, avoid surprises, and position yourself for success in the year ahead.

1. Get Pre-Approved Early

Before browsing listings or falling in love with a home, the most important first step is getting pre-approved by a trusted lender.

A pre-approval gives you a realistic understanding of your buying power and what your monthly payment could look like at today’s interest rates. More importantly, it shows sellers that you’re a serious, qualified buyer, an advantage that can make a real difference in competitive markets.

Starting this process early also gives you time to address any credit or financial adjustments that could improve your loan terms before you’re ready to make an offer.

2. Run the Numbers with Confidence

Buying a home isn’t just about the purchase price, it’s about how the home fits into your overall financial picture.

Take time to review your monthly expenses, existing debt, and lifestyle costs to determine a comfortable budget. Consider what your future mortgage payment might look like, along with property taxes, insurance, maintenance, and utilities. Understanding these numbers upfront allows you to shop confidently and avoid stretching beyond what feels right for you long-term.

This step is about clarity, not restriction, so you can move forward knowing exactly what works for your financial goals.

3. Define Your Non-Negotiables

Once the numbers make sense, it’s time to get clear on what truly matters to you in a home.

Defining your non-negotiables helps streamline the search and prevents decision fatigue once you begin touring properties. Think about key factors such as location, commute, layout, school district, outdoor space, and lifestyle needs. Knowing your must-haves (and your nice-to-haves) makes it easier to act quickly and decisively when the right home comes along.

This clarity allows our team to focus on properties that truly align with your priorities, saving you time and stress.

4. Partner with a Team You Can Trust

The right real estate team does far more than open doors. They provide guidance, strategy, and advocacy from start to finish.

With over 20 years of experience, Pacific Oak Homes offers hands-on service and deep local market expertise to guide you confidently through every stage of your real estate journey. From pricing insights and market timing to negotiation strategy and closing support, we’re here to simplify the process and help you make informed, confident decisions.

Whether you’re buying your first home or planning your next move, having a trusted partner by your side makes all the difference.

Ready to Start Planning?

If you’re thinking about buying in early 2026, the best time to begin is now. A clear plan today sets the foundation for a smoother, more successful experience tomorrow.

Thinking about buying this year? Schedule a consultation with Pacific Oak Homes and let’s build your strategy together.