New Year, New Move
New Year, New Move: What Buyers and Sellers Should Know Before They Get Started
Aren’t the first weeks of a new year exciting? A fresh start brings new opportunities, bold plans, and, for many, the journey toward a new address. No matter which side of the closing table you’re on, the early stages of a real estate transaction set the tone for everything that follows. Getting off to a strong start helps reduce surprises, streamline the process, and protect your investment.
At First Financial Title Agency of Minnesota, we know that every #smoothclosing begins long before documents are signed. It starts with smart planning, clear communication, and informed decision-making—laying the foundation for a successful transaction from day one.
How's the Market Shaping Up This Year?
Historically, buyers re-enter the market after the holiday lull, while sellers aim to list before the spring rush. In 2026, all signs point to that trend continuing. National forecasts suggest improving affordability and renewed buyer interest, making early engagement more important than ever.
The National Association of REALTORS® lists several markets—including Minneapolis-St. Paul—among the top homebuying hot spots for 2026. Lower projected mortgage rates, expanding inventory, and improved affordability are expected to draw more buyers back into the market.
Seasonal price dynamics also give early-year buyers an edge. Recent analyses show that purchasing in January can save an average of $23,000 compared to waiting until later in the year—thanks to lower competition and more motivated sellers.
Here in Minnesota, affordability is improving as inventory gradually increases, and mortgage qualification widens with rates near 6%. For buyers and sellers alike, early planning and preparation can make a meaningful difference in achieving a smooth, successful transaction.
Top Tips for Buyers Starting in the New Year
- Get Pre-Approved First
Understanding your budget before touring homes signals to sellers that you’re a serious buyer and sets realistic expectations for your search. - Understand Title Insurance Early
Title insurance protects your ownership rights from hidden risks like liens, clerical errors, or undisclosed heirs. Knowing your options upfront helps you plan financially and avoid last-minute decisions. - Build a Trusted Team
Working with a real estate agent, lender, and title professional early ensures everyone is aligned. Coordinated efforts from the start keep the transaction flowing smoothly.
Top Tips for Sellers in a New Year Market
- Review Your Title Ahead of Time
Understanding your property’s title history before listing helps address potential issues early, paving the way for a clean closing. - Price with Confidence
Accurate pricing attracts serious buyers. Work with your agent to assess market trends, inventory, and local competition to position your home effectively. - Communicate Expectations Upfront
Clear communication about timelines, contingencies, and documentation helps buyers feel confident and reduces friction during negotiations.
Why Title Matters at Every Step
Contracts and closing dates are certainly part of the equation, but for us, it’s about protecting your investment at every step. Title insurance and thorough title review help:
- Verify legal ownership and uncover potential defects early
- Protect against financial loss due to undiscovered claims
- Provide legal defense if covered issues surface after closing
Even in a strong market, title issues can surface unexpectedly. Involving a trusted title partner early is the best way to avoid surprises.
Ready to Start the Year with a Smart Move?
Whether you’re a buyer, seller, or both, connecting with us early in your transaction—before inspections, offers, or financing deadlines—ensures a smooth and secure process. At First Financial Title Agency of Minnesota, we support your success every step, every detail.
Contact us today to learn more about how title insurance and proactive planning protect your home investment.
