Hey neighbors!
You know what everyone says – “Wait until spring to buy a house!” Well, I’m here to tell you that’s like waiting until noon to grab the good donuts at the bakery. The best stuff might already be gone!
Here in Brevard County, from Melbourne to Cocoa Beach, from Titusville down to Palm Bay, January is actually one of the smartest times to make your move. Let me tell you why.
Less Competition, More Negotiating Power
Remember fighting over toilet paper in 2020? That’s what spring home buying feels like around here. But in January? You’ve got breathing room. Sellers who list their homes now are serious about selling, not just “testing the waters.” That beautiful home in Viera or that beachside condo in Satellite Beach? You might be the only offer they get this week. That’s power in your pocket, friend.
Sellers Are Motivated (Like, Really Motivated)
Anyone selling their home in January isn’t messing around. Maybe they got a job at Kennedy Space Center and need to relocate ASAP. Maybe they’re snowbirds who decided Florida life is year-round life. Whatever their reason, they want to make a deal happen. I’ve seen sellers throw in everything from closing costs to that fancy refrigerator you’ve been eyeing.
Interest Rates Won’t Wait for You
Here’s the thing about waiting – while you’re waiting for the “perfect” time, interest rates are doing their own thing. Even a small rate increase can cost you thousands over the life of your loan. That cute house in Rockledge might cost you $200 more per month if rates jump even half a percent. Ouch.
Tax Benefits Start NOW
Buy in January, and you get a full year of tax benefits. That’s 12 whole months of mortgage interest deductions. It’s like getting a head start on saving money. Your accountant will high-five you next year (or at least smile behind their calculator).
You Can Actually See What You’re Buying
Spring in Space Coast is gorgeous, sure. But those beautiful flowering bushes might be hiding foundation issues. That tree that looks amazing in full bloom? It might be dropping leaves in your pool all fall. In January, you see the house as it really is – no makeup, no filter. What you see is what you get.
Our Local Market is Different
While the rest of the country is buried in snow, we’re enjoying 70-degree days here in Brevard. Our “winter” market isn’t like theirs. People are still moving here, still retiring here, still starting new jobs at the space companies. Our market doesn’t hibernate like a bear – it just takes a little catnap.
The Bottom Line
Look, buying a home isn’t like buying a gallon of milk. It’s a big decision. But if you’re ready – like, really ready with your finances in order – January might just be your golden ticket. You’ll face less competition, find motivated sellers, and start building equity while everyone else is still making New Year’s resolutions.
Whether you’re looking in historic Cocoa Village, family-friendly West Melbourne, or anywhere from Mims to Micco, now’s the time to stop scrolling through Zillow at midnight and actually make a move.
Ready to chat about your options? Give us a shout at My Town Lending. We’ll grab some coffee (or sweet tea, this is Florida after all) and talk about how to make your home-buying dreams happen this January. No pressure, no fancy financial talk – just straight shooting from your neighbors who happen to know a thing or two about mortgages.
Stay cool, Brevard County!
The My Town Lending Team
321-334-1876