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Why January is Actually a Great Time to Buy a Home
Most people think spring is the only time to buy a home, but January buyers often get better deals and less competition.
Here’s what makes winter home buying smart:
Sellers who list in January are usually motivated—they need to move for a job, life change, or financial reasons. That motivation can work in your favor during negotiations.
You’ll face fewer competing offers. In Des Moines and the surrounding areas, spring brings bidding wars. January? You might be the only offer on the table.
Lenders and inspectors have more availability. Your loan can move faster, and you’ll get inspection appointments that work with your schedule, not around everyone else’s.
Interest rates fluctuate year-round, not seasonally. If rates are favorable now, waiting until spring won’t necessarily improve them.
Whether you’re a first-time buyer exploring FHA or VA options, or moving up with a conventional loan, winter buying gives you breathing room to make smart decisions without pressure.
If you’re ready to explore what you qualify for, let’s talk. A pre-approval puts you in the driver’s seat.
All loans subject to approval. Equal Housing Lender.