Planning to Buy a House in 2026? Here’s How to Prepare Now

If buying a home is on your 2026 goals list, the best thing you can do isn’t wait—it’s prepare. Whether you’re a first-time buyer or planning your next move, early planning can save you money, reduce stress, and put you in a stronger position when the right home comes along.

Here’s what future buyers in Kalamazoo, Portage, Mattawan, Battle Creek, and throughout Southwest Michigan should be doing now to set themselves up for success in 2026.

1. Get Clear on Your Goals (and Your Timing)

Before diving into listings, ask yourself:

• Are you buying your first home or moving up?

• Do you want to stay in the same area or relocate within Southwest Michigan?

• What’s your ideal timeline—early 2026 or later in the year?

Having clarity helps guide every decision that follows, from budgeting to neighborhoods to loan options.

2. Start Strengthening Your Financial Profile

Even if you’re not buying for several months, improving your financial readiness now can make a big difference.

Focus on:

• Paying down high-interest debt

• Avoiding major new purchases

• Making all payments on time

• Saving for your down payment and closing costs

Small improvements in credit and savings can lead to better loan terms in 2026.

3. Understand Your Buying Power Early

One of the biggest mistakes buyers make is waiting too long to talk with a lender. A pre-approval (not just a pre-qualification) gives you:

• A realistic price range

• Stronger negotiating power

• Confidence when making offers

Knowing your numbers early helps you avoid surprises and move quickly when the right home hits the market.

4. Watch Local Market Trends—Not Just Headlines

National headlines don’t always reflect what’s happening locally. The market in Southwest Michigan can behave very differently from larger metro areas.

Working with a local expert helps you understand:

• Seasonal inventory trends

• Neighborhood-specific pricing

• Competition levels in your target areas

Local insight is especially important in markets like Kalamazoo and Portage, where demand can vary by school district and neighborhood.

5. Define Your “Must-Haves” vs. “Nice-to-Haves”

Knowing what matters most will save you time and prevent decision fatigue.

Examples of must-haves:

• Location or school district

• Number of bedrooms

• Budget cap

Nice-to-haves:

• Updated finishes

• Finished basement

• Large yard

Flexibility can be a major advantage in a competitive market.

6. Build the Right Team Early

Buying a home is easier when you’re surrounded by trusted professionals. Connecting with a real estate team early allows you to:

• Ask questions without pressure

• Learn the process step by step

• Be ready when timing is right

The Keefer Fischer Team, led by Kerry Keefer Fischer, works with buyers throughout Southwest Michigan to create personalized, no-pressure buying plans.

7. Be Ready to Act When the Time Is Right

Homes can move quickly, especially in popular neighborhoods. Preparation allows you to:

• Make confident offers

• Avoid rushed decisions

• Compete effectively without overextending

The goal isn’t to buy fast—it’s to buy smart.

Buying in 2026 Starts Now

The most successful buyers aren’t the ones who wait—they’re the ones who plan. If 2026 is your year to buy, taking steps now puts you in control and sets you up for a smooth, confident experience.

Ready to Start Planning Your 2026 Home Purchase?

The Keefer Fischer Real Estate Team is proud to guide buyers in Kalamazoo, Portage, Mattawan, Battle Creek, and across Southwest Michigan. Whether you’re ready to start tomorrow or just exploring options, we’re here to help.

📍 Contact the Keefer Fischer Team today to begin your personalized 2026 home-buying plan.