The 90-Day Plan to Buy a Home in 2026 | Step-by-Step Guide for First-Time Buyers | Closing The Deal Ep. 56

Thinking about buying a home in 2026? Before you start scrolling Zillow, there are three critical steps you should take in the next 90 days that most buyers completely skip.In this episode of Closing the Deal, Zach Dickson and Sam Enright break down a month-by-month 90-day plan to help you prepare financially, understand your credit and pre-approval, and confidently start your home search without stress or surprises.We cover:Why financial prep is the most overlooked step in buying a homeHow budgeting, savings, and debt awareness set you up for successWhen to talk to a lender (and why waiting can cost you the right home)How to set realistic expectations before touring homesThe biggest mistakes buyers make when they skip stepsIf you’re a first-time buyer, planning ahead for 2026, or want a smoother home-buying experience, this episode will give you a clear roadmap.📌 Save this episode — you’ll come back to it more than once.00:00 – The 90-Day Plan Every 2026 Buyer Should Follow01:05 – Why January Is the Perfect Time to Start Preparing02:15 – Month 1: Financial Prep Most Buyers Avoid03:45 – Budgeting, Subscriptions, and Spending Awareness05:20 – Savings, Emergency Funds, and Hidden Homeownership Costs07:45 – Why Financial Prep Builds Confidence as a Buyer10:37 – Month 2: Talking to a Lender Before It’s Too Late12:00 – Credit Checks, Pre-Approval, and Common Buyer Mistakes14:43 – Why Skipping Pre-Approval Leads to Disappointment18:48 – Month 3: Starting the Home Search the Right Way19:17 – Wants vs Needs and Market Expectations21:40 – Why Preparation Makes the Home Search More Enjoyable24:45 – Enjoying the Process, Not Just the Result26:16 – Final Advice for Buyers Planning for 2026