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If you’re a first-time homebuyer—or have just been keeping an eye on the market—you’ve probably heard the buzz about new mortgage changes. FHA is cutting off loans for non-permanent residents, and some down payment assistance programs are disappearing. Cue the headlines, the Twitter rants, and the inevitable “Maybe I should just wait?” thoughts.
Here’s my take: Panicking or pausing won’t get you the keys to your new home, but a solid strategy will.
Real estate is always shifting. Rates go up and down, loan programs change, and yet… people still buy homes every day. The ones who win aren’t the ones who wait for perfect conditions—they’re the ones who adapt, strategize, and move forward with a plan.
Here’s my solution on how First-Time Buyers should game plan amid these market shifts:
Step 1: Assemble your team. Connect with a local, informed and experienced Realtor in your area, lock in your Lender and Get Pre-Approved.
Even when mortgage guidelines shift, it doesn’t mean your path to homeownership is closing. There are still plenty of loan programs available—you just need the right team to help you navigate them. One of the biggest advantages my clients get access to is full concierge real estate service. That means, I don’t just help clients find a home; I connect you with the best resources and relationships to guide you to the right fit for all your real estate needs. Whether you need down payment assistance, flexible loan options, or a strategy to maximize your buying power, I have the tools to help position you for success.
Step 2: Expand Your Loan Strategy
If you were banking on FHA or a disappearing down payment assistance program, don’t sweat it. Conventional loans, VA, and state/local assistance programs are still on the table. A great lender will help you find the best fit.
Step 3: Stay Open to Different Paths to Homeownership
Flexibility is key, especially during times of change. Exploring options like new construction incentives or even house hacking strategies can open up more opportunities than you might expect.
Step 4: Focus on What You Can Control
While market shifts are out of your hands, your preparation isn’t. Focusing on boosting your purchasing power by improving your credit score, building your savings, and getting clear on your must-haves vs. nice-to-haves will put you in the best position to act when the right opportunity comes.
Bottom Line: Waiting Won’t Make It Easier
The market isn’t slowing down for anyone. Home prices are still rising, and waiting could mean paying more later. The buyers who take action, build the right team, and stay flexible will always have the edge.
Thinking about buying? Let’s talk strategy. Because no matter what the market does, there’s always a way to win.
