About this time every year, the question for house hunters is whether to delay their serious shopping until the anticipated springtime upsurge in St. Cloud homes for sale. Almost every year, when the weather begins to warm, the springtime ‘For Sale’ signs blossom. One school of thought has it that the wider selection favors buyers—it means more sellers will compete for their attention. On the other hand, that also means more buyers will vie for the most compelling properties.

Of course, when to start serious prospecting may be more dependent on individual calendars that are dictated by outside factors—so there’s no set answer for everyone. But there are a few powerful arguments why for some, setting out on a serious house-hunting expedition at the beginning of the year can be a good strategy:

1.      Prices aren’t likely to decrease. Most authoritative commentators expect the opposite. If they are right, getting ahead of the crowd would be an economical choice.

2.      Mortgage rates are, well, you know! It may be possible that interest rates fall even further, but it’s a lead-pipe cinch that sooner or later they will return to the norm, triggering a substantial increase in the dollars that the bank collects every month.

3.      If you are renting now, you’re already paying for the equivalent of a mortgage. A healthy market dictates that St. Cloud rental prices settle at levels that meet or exceed the landlord’s breakeven point—meaning they cover his or her maintenance and mortgage expenses. Every additional month you send a rent check results in losing the equity you would have begun to accumulate once you close on your own home.

There is a fourth reason—but it’s not nearly as persuasive as the previous three dollars-and-cents arguments:

4.      January is the month for starting fresh projects. Perhaps it’s just due to the turning of the page from the old year—but this does seem to be when energy abounds for striking out on important new initiatives. January is the month for momentum-busting.

Right now, there is a variety of St. Cloud homes for sale. There’s never an obligation when you give me a call to discuss how to start serious prospecting for your new home!

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Saint Cloud 320-259-4554

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