As 2025 winds down, it’s the perfect time to reflect and plan for the year ahead. If your New Year’s resolution includes a new chapter in your real estate journey, we’re here to help! Whether you’re buying or selling a home in 2026, these tips will help you navigate the process with confidence.

Looking Back at 2025

In 2025, the U.S. housing market showed signs of easing, with home-price growth slowing as inventory and listings increased, giving buyers more breathing room than during the tight 2022–2024 market. At the same time, mortgage rates edged down, with the average 30-year fixed rate falling from around 7% early in the year to around 6.2-6.3% in December, helping bring some buyers back into the market.

As we head into 2026, many are wondering if now is the right time to make a move. If you’re one of them, here’s how you can prepare for success:

Tips for Home Buyers

Save Strategically to Purchase Your Dream Home

While home prices have started to stabilize and interest rates are slowly declining, cash buyers remain active, so major shifts in the market may still take time. In the meantime, it’s wise to focus on strengthening your financial position by saving where you can—setting aside your tax refund, taking advantage of sales or coupons, and finding small ways to boost your income, like picking up an extra shift.

Monitor Your Credit

Credit scores can be tricky, but they’re critical for securing favorable mortgage rates. Therefore, aim for a score of 740 or higher to access the best deals. Here’s how to get there:

• Pay your bills on time.
• Keep credit card balances low—ideally, using less than 30% of your available credit. Avoid opening new credit accounts in the months before applying for a mortgage.
• Check your credit report regularly for accuracy.

Get Organized

Before starting your home search, gather all essential documents to help ensure a smooth process when you find your dream home. This includes bank and income statements, credit information, tax returns, and personal identification.

Work with a REALTOR®

Buying a home can feel overwhelming. However, your Robert Paul Properties Forever Agent℠ is here to guide you every step of the way. Ready to start? Visit RobertPaul.com/agents to find your ideal match.

Tips for Home Sellers

Research and Plan Ahead to Sell Your Home

The 2025 housing market is showing signs of stabilization, with home prices leveling off and inventory slowly rising. While strong sale prices are still possible, market conditions can vary by area, making it essential to do your homework before listing your home.

• Review local real estate reports to understand the market.
• Set realistic expectations about pricing and timing.

Set a Timeline

If you have a target move date, establish your timeline early. For instance, account for:

• Time to list and sell your home.
• The closing process.
• Your personal transition to a new property.

Your real estate professional can help you work backward from your desired move date to create a realistic and efficient timeline, ensuring each stage is accounted for and reducing stress along the way.

Make Updates and Finish Projects

Small upgrades can make a big impact on your home’s appeal. For example:

• Declutter and organize.
• Freshen up with paint or minor repairs.
• Complete any lingering renovation projects.

Well-maintained homes often sell faster and at better prices.

Partner with a REALTOR®

Your Robert Paul Properties agent has the market knowledge and connections to attract serious buyers. If you don’t have an agent yet, browse our team of Forever Agents℠ at RobertPaul.com/agents.

Prepare for the New Year

No matter where your real estate journey takes you in 2026, preparation is key. With thoughtful planning and the right support, you’ll be well-positioned to make confident decisions in the year ahead. Here’s to a smooth and successful 2026!

Buying a Home During the Holidays in Massachusetts