Changing the mindset

As the shift this year for me went from buyer to seller, I could not help but be faced with the challenges that brought my buyers to disappearing acts. I for one am no stranger to the difficulties everyone has faced these past few years in achieving home ownership. You’d think a winning lottery ticket had better odds than purchasing a home.If you’ve scrolled through headlines lately, you’d think buying a home right now requires a lottery win, a miracle, and maybe a time machine.

One of the hardest things about my job is —people’s opinions. The truth is, there really isn’t a “right” or a “wrong” time to buy a home. That is all dependent on the needs and ability of the buyer. Now, how we buy homes vs when we buy homes is a different story.

The Shift in Thinking

Buying was such an easy thing to do in the recent past. It was a free for all and the biggest question was “how much more am I going to bid on this home”. Where once the list was number of bedrooms, baths, and square footage has now been replaced with shifts in the mindset. what was once $350K affordability is now $475-500K. It’s no longer about the “forever” home, but the home that will take you to the next chapter.

We have to stop seeing homeownership as a one-time checkpoint. You might not love taking 2,500 square feet and compromising to 1,800, but it’s doable. Buyers need to change the mindset of perfection to progression. The question should be: What can I live in right now that will help me build the equity I need to obtain the home of my dreams?

Facts

• Rates are temporary. Roots are not.
  You can refinance a rate. You can’t refinance time lost waiting for perfection.

• Equity still happens in imperfect markets.
  Richmond and the surrounding areas continue to grow. It’s slow and steady, but also people that come here, stay here. Every payment is a small deposit into your future wealth. Think of it as the long game.

• A home is more than numbers.
  It’s stability. It’s security. It’s not paying someone else’s mortgage. It’s knowing that even when the world feels uncertain, you have a place that’s yours.

• Flexibility is power.
  Maybe you buy smaller. Maybe you choose a neighborhood on the rise. The mindset includes creative planning. It’s about the investment whether you decide to rent a room or refresh the components, and if you can just stretch it out a bit, you as a buyer can thrive.

Rewriting the Narrative

Instead of asking, “Is it a good time to buy?” Ask, “Is it a good time for me?” Your goals, your finances, your phase of life, that matters more than someone else’s opinion.

This market rewards clarity. It rewards the buyers who come in informed, grounded, and guided by more than fear. If you can get pre-approved, understand your budget, and stay open to possibilities, you’re already ahead of half the crowd waiting for perfect conditions that may never come.

The Real(T)

Home buying isn’t just a financial decision; it’s an emotional one. You can choose to go out on the pitch or stay on the bench, but sacrificing some square footage at square one will leave you in a better place for the future. Don’t box yourself in and keep telling yourself you can’t because of this and that. The key is to plan, be creative, and think of your future. You define your path—consider possibilities rather than perfections.