Things You Can Do Now If You Want to Buy a Home Next Year

By Tammy Eickhoff, Your Trusted Real Estate Guide (and Occasional Coffee Enthusiast)

Hey there, future homeowner! So, you’ve decided that 2025 is your year to buy a home? First of all, high-five! Buying a home is one of the most exciting (and slightly nerve-wracking) adventures you’ll ever embark on. But don’t worry—I’m here to help you navigate the wild world of real estate with a smile on your face and a game plan in your pocket.

At Carolina Homeland Partners, we’re all about making your home-buying journey as smooth as a freshly paved driveway. Whether you’re dreaming of a cozy bungalow in Charlotte or a sprawling estate in the Carolina countryside, here’s a list of things you can do right now to set yourself up for success next year.

1. Check Your Credit Score (No, Really, Do It)

Let’s start with the not-so-fun-but-oh-so-important stuff: your credit score. Think of it as your financial report card. Lenders love a good score, and the higher yours is, the better your interest rate will be.

• Pro Tip: If your score is lower than you’d like, start paying down debt and avoid opening new credit lines. And hey, no one’s perfect—if you’ve made a few financial oopsies in the past, there’s still time to clean things up!

  
  

2. Save Like a Squirrel Preparing for Winter

Buying a home isn’t just about the down payment (though that’s a big chunk). You’ll also need to budget for closing costs, moving expenses, and that adorable porch swing you’ve been eyeing.

• Fun Fact: Aim to save at least 20% of the home’s price for the down payment, but don’t panic if that’s not doable. There are loan programs that require much less and sometimes no down payment—just ask me, and I’ll point you in the right direction!

  
  

3. Get Pre-Approved for a Mortgage

Think of a pre-approval letter as your golden ticket to the home-buying chocolate factory. It shows sellers you’re serious and gives you a clear idea of what you can afford.

• Bonus: Once you’re pre-approved, you’ll know your budget, which means we can start house hunting with laser focus. (And yes, I’ll bring the coffee for our showings.)

  
  

4. Make a Wish List (But Keep It Realistic)

Dream big, but also dream smart. Make a list of your must-haves (hello, walk-in closet!) and nice-to-haves (looking at you, backyard fire pit).

• Reality Check: No home is perfect, but with a little compromise, we can find one that checks most of your boxes. And who knows? You might fall in love with something you never expected.

  
  

5. Research Neighborhoods Like a Detective

Location, location, location! Start exploring neighborhoods now to see where you’d love to plant roots.

• Hot Tip: Consider commute times, school districts, and local amenities. And don’t forget to visit at different times of the day—what’s peaceful in the morning might be a party zone at night.

  
  

6. Partner with a Pro (That’s Me!)

Buying a home is a team sport, and I’m here to be your MVP. From finding hidden gems to negotiating like a boss, I’ve got your back every step of the way.

• Shameless Plug: At Carolina Homeland Partners, we’re not just about selling homes—we’re about building relationships. Let’s make your home-buying journey unforgettable (in the best way possible).

  
  

7. Start Decluttering Now

Trust me, you don’t want to be knee-deep in packing tape and cardboard boxes next year. Start decluttering and organizing your current space now.

• Motivational Nudge: If you haven’t used it in a year, donate it or toss it. Your future self will thank you when moving day rolls around.

  
  

8. Stay Informed About the Market

The real estate market can be as unpredictable as Carolina weather. Keep an eye on trends, interest rates, and inventory in your desired area.

• Insider Info: I’ll keep you updated with the latest market insights, so you’ll always be one step ahead.

  
  

9. Visualize Your Future Home

Close your eyes and picture yourself in your new home. Are you hosting backyard BBQs? Curled up by the fireplace? Whatever your vision, hold onto it—it’s what will keep you motivated during the process.

10. Let’s Chat!

Ready to take the next step? Let’s sit down (virtually or in person) and map out your home-buying strategy. Whether you’re a first-time buyer or a seasoned pro, I’m here to make your dreams a reality.

Visit us at carolinahomeland.com to learn more about our services or to schedule a consultation. Let’s make 2025 the year you unlock the door to your new home!

About Tammy Eickhoff:

Tammy Eickhoff is a licensed real estate agent with Carolina Homeland Partners, where she combines her passion for helping people with her love of all things real estate. When she’s not assisting clients, you can find her gardening, hanging out with her animals (Huck, Ziggy, and Cashman), tackling her next DIY project, or curled up with a good book.

If you're interested in more information, or looking to buy a home in one of our amazing communities, give me a call at 919-610-2366.