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Randi Bennett & Tracy Warsaw: Keller Williams Prosperity Realty - Montville DivisionRandi Bennett & Tracy Warsaw: Keller Williams Prosperity Realty - Montville Division
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Expert Advice for Buying a Home During the Holidays

Buying a house during the holidays can be done—and done well—with a little planning and an expert real estate agent by your...

  • Tracy Warsaw
  • December 1st, 2022
  • 4 min read

Buying a house during the holidays can be done—and done well—with a little planning and an expert real estate agent by your side.

House hunting in December might seem like a chaotic idea, but there are some key advantages to buying now. December is one of the slowest months for home sales, so you have a better chance of landing your dream home at a great price. Even if you have cookies to bake and houseguests to manage, you deserve the best gift for yourself and your family—a new home.

How do you minimize stress and buy a house during the holidays? These are our top tips.

Plan ahead

Everyone is busy during the holidays, but that doesn’t mean you have to put buying a home in December on the back burner. Instead, you'll have to plan ahead. You may have numerous people in town, so book house hunting time with your real estate agent around those visitors. You'll also want to add some flexibility into your schedule, since homeowners and other key players in the process may go out of town, causing delays in response times.

Get preapproved and watch your finances

When buying a house during the holidays, you’ll need to keep an eye on your finances. Gift shopping and large purchases often take center stage this time of year, but it's important to not add debt to your debt-to-credit ratio when you're about to apply for a mortgage.

Get preapproved for a mortgage through your lender as soon as possible—before lenders take time off for the holidays. That way, the home purchase transaction is faster and smoother for you, which means less time applying for loans or chasing down documentation of your taxes from last year.

Understand your leverage

There are usually fewer buyers in the market during the holiday season. That means sellers who want to sell quickly are more likely to take an offer that favors you. That provides you with an opportunity for lower home prices, mortgage buydowns, and other favorable terms. Work with your real estate agent to create an offer that's competitive while taking advantage of the buyer-friendly time of year.

Remember the tax breaks

Should you purchase a home in December or wait until next year? If you're on the fence, the tax breaks for being a homeowner might motivate you. Though it’s best to talk to your tax professional about the specifics of your situation, homeowner tax deductions typically apply to the year in which the home was purchased. Those deductions include:

  • Mortgage interest
  • Discount points
  • Property tax deductions
  • Mortgage insurance deductions
  • Necessary home improvements

These will apply any year you purchase your home—but why not get a tax break this year instead of waiting? If you find your ideal home and the price is right, there’s no reason to hold back.

Hire the right real estate agent

Hiring the right real estate agent is one of the most important moves you can make any time you purchase a home—but discussing your year-end home search is especially crucial. You need someone who is engaged and focused to find the home you need at the price you want, stay on top of communication, and help your process run smoothly. Someone who will be out of town or has too many other obligations this time of the year may not be the best choice.

Choose a real estate agent who can tap into their network, too, helping you find homes that may not be listed on the MLS. You deserve the perfect property that checks off all your must-haves and nice-to-haves, and the best agents will find it even when the market is slow.

Let's chat

Reach out to a member of our team to discuss your holiday home buying plans. 

We'll make sure you have a low-stress, highly-successful house hunt so you can be in your new home by New Year's.

Get in touch

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About the author

Tracy Warsaw

(973) 722-8801
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Tracy Warsaw has become a trusted name in the Montville, NJ and the surrounding areas of Morris, Essex, and Passaic counties. She is dedicated to facilitating the purchase and sale of properties with a client-first approach. Her engaging demeanor and commitment to service excellence have consistently placed her among the top real estate professionals in the area. Tracy's positive outlook, clear communication, and ambition to surpass client expectations mark her as a preferred agent. Known for her diligent work ethic, Tracy provides a stress-free experience for her clients, ensuring they proceed with confidence. Her decisive, analytical mindset and formidable negotiation skills mean that she's always ready to address any questions or obstacles that arise during the real estate process. While Tracy's professional accolades speak to her success, her life outside the office is equally rich, filled with family, fitness, and travel. A Montville local, she embodies the community spirit, enjoying outdoor activities, engaging with social media, indulging in the local culinary scene, and savoring life's finer moments. Tracy's unwavering dedication to achieving your real estate ambitions, combined with her extensive market insight and experience, makes her a reliable partner for all your property needs in Northern NJ.

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Randi Bennett & Tracy Warsaw: Keller Williams Prosperity Realty - Montville Division

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Keller Williams Prosperity Realty- Montville Division

630 Main Road, Towaco, NJ 07082

630 Main Road, Towaco, NJ 07082

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973-404-0563

Message Us:

[email protected]

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