What I’m Telling Buyers Now If They’re Planning to Move in 2026

Buying a home in West Michigan is one of the biggest financial decisions you’ll ever make—and it rarely happens on a whim. The buyers who feel the most confident (and the least stressed) are the ones who start preparing well before they’re ready to move.

If buying in 2026 is on your radar—even as a quiet goal—here are 10 smart, realistic steps you can start taking now. Think of this less as a checklist and more as a way to ease yourself into the process so nothing feels rushed when the right opportunity shows up.

1. Start the conversation early (even if you’re not moving yet)

In December, I met with a young couple here in West Michigan who are planning to buy their first home. Their lease isn’t up until July, so they weren’t in a rush—and that was exactly the point.

We sat down and talked through their goals, what felt important to them, what they were nervous about, and what buying a home would realistically look like for their timeline. We mapped out the process, discussed neighborhoods that might make sense, and I connected them with a trusted local lender so they could start building a plan.

They didn’t leave with a house. They left with clarity.

That’s the value of starting early. You don’t need to be “ready” to benefit from a conversation—you just need curiosity and a general sense of direction. Having guidance at the beginning helps everything else feel far more manageable when the timing is right.

2. Pay attention to your local market (not just national headlines)

Real estate is hyper-local—and nowhere is that more true than here in West Michigan. What’s happening nationally doesn’t always reflect what’s happening in your specific neighborhood.

Inventory levels, pricing trends, and competition can vary widely from one area to the next—even between neighboring communities like Cascade, Forest Hills, Ada, and Grand Rapids. Understanding what homes are really selling for—and how quickly—helps you set realistic expectations and know where you may have leverage. This is where local insight makes a big difference.

3. Get intentional about your down payment

Saving for a home can feel overwhelming, but clarity helps.

Whether you’re close to your down payment goal or just getting started, now is the time to understand what you’ll need and what options are available. While 20% down is often talked about, it’s not the only path. There are loan programs and strategies that may allow you to buy sooner than you think.

The key is having a plan—and knowing where your money is going.

4. Explore mortgage options early

A mortgage pre-approval is one of the most empowering steps you can take.

It gives you a clear price range, strengthens your position when you’re ready to make an offer, and removes a lot of uncertainty from the process. Even if you’re months away from buying, a conversation with a trusted lender can help you understand what factors will impact your approval and what you can work on now.

5. Be mindful of your credit

Your credit score plays a big role in the loan terms you’ll receive.

Simple habits—paying bills on time, keeping balances manageable, and avoiding unnecessary debt—can make a meaningful difference over time. Small improvements now can translate into better rates and more options later.

6. Keep your finances steady

When you’re preparing to buy, consistency matters.

Large purchases, new credit cards, or major financial changes can affect your borrowing power. If a home purchase is on the horizon, it’s usually best to keep things stable until after you’ve closed. Lenders love predictability.

7. Clarify your needs versus your wants

It’s easy to fall in love with a house that has everything—but clarity keeps emotions in check.

Start with your non-negotiables: location, price range, bedroom count, commute, lifestyle needs. Everything else becomes a bonus. Remember, many cosmetic upgrades can happen over time. The right foundation matters more than perfect finishes.

8. Narrow in on location

Where you live in West Michigan impacts your day-to-day life just as much as the house itself.

Consider proximity to work, schools, trails, lakes, downtown amenities, and the kind of lifestyle you want to live—from walkable neighborhoods to quieter, tucked-away communities. It’s also worth exploring areas that may be a step outside the most competitive neighborhoods—they often offer better value while still checking the boxes that matter most.

9. Start browsing with purpose

Looking at homes online is more than just fun—it’s educational.

Browsing listings helps you understand pricing, features, and what’s realistic in your budget in today’s West Michigan market. Over time, you’ll start to spot good opportunities more quickly. An agent can also set you up with listings that match your criteria so you’re seeing homes that truly fit your goals.

10. Plan for closing and moving costs

The purchase price isn’t the only number to consider.

Inspections, closing costs, moving expenses, and initial updates should all be part of your plan. Setting aside funds for these early prevents surprises and helps you move into your new home feeling prepared—not stretched.

The best time to prepare is before you need to

Buying a home is exciting, meaningful, and yes—sometimes emotional. Preparation turns that experience into one that feels confident and grounded instead of rushed.

If 2026 is your year, starting now gives you options, clarity, and breathing room. And if you’re not sure where to begin, that’s okay too. A simple conversation can go a long way.

When you’re ready—whether you’re just gathering information or starting to plan seriously—I’m always here to help you take the first step, right here in West Michigan.