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Plan to buy your first home in 2021? It’ll probably take months instead of weeks, and you might feel demoralized at times.That’s not negative thinking. It’s an acknowledgment that the road to homeownership has potholes. The journey can be bumpy, but the destination is worth it. When you know at the outset that you’re in for emotional highs and lows, it’s easier to shrug off those lows and keep on truckin’.Here’s why 2021 will be a rough year for first-time home buyers — and how to manage your emotions during the process.Why buying a home in 2021 will be toughThere aren’t enough homes for sale to meet demand. At the end of October, the most recent month with available data, 1.42 million existing homes were available for resale. At that month’s sales pace, it would take just 2.5 months to sell every home on the market — an all-time low, according to the National Association of Realtors. The supply of new homes for sale was enough for 3.3 months, tied with the previous month for a record low.Supply is low because buyers are pouncing whenever homes become available. Most existing homes sold in October — 7 in 10 — were on the market less than a month, according to the NAR.With a slender stock of homes selling fast, buyers have little power. “The control is in the seller’s hands because of supply and demand,” says Terri Robinson, a Realtor with Re/Max Select Properties in Ashburn, Virginia.Set realistic expectationsExpect months to elapse between the first step of checking your credit reports to the final step of closing on the home. “The first thing that I hope people understand is it’s not an overnight process,” says Marc J. Jenkins, a real estate agent with Prime Property Partners in Atlanta.Jenkins tells first-timer clients that it typically takes five to eight months to buy a home. Understanding that homebuying timeline “prepares them mentally, emotionally and financially to see this process through.” Would-be buyers are prone to burnout if they expect the process to take a month, he says.Everyone wants a bargain, but buyers need to recalibrate the meaning of that word so it applies to today’s competitive environment. “A bargain, if I were to redefine that, is the home that you want for the price that you’re willing to pay,” Robinson says.Know where you’ll compromiseMore than three-quarters of home buyers in their 20s and 30s made compromises, according to NAR’s 2020 Home Buyers and Sellers Generational Trends Report. The most common compromises had to do with the condition or price of the home.So before you start seriously looking at homes, decide what you need and what you won’t budge on. You may have a maximum price and commute time, a minimum size or other requirements. Those are your deal breakers. Write them down. Resist the temptation to compromise on deal breakers, even when you feel discouraged. For all else, keep an open mind.Make decisions fastIn today’s market, many homes are on the market for less than a month, so it’s important to make an offer quickly once you find one you like. Let your list of deal breakers be your guide. If a home meets your criteria, including an acceptable price, it may be worth making an offer. Again, quickly, because many sellers field multiple offers within a day or two of listing the home and planting a “for sale” sign in the yard.“Even as a first-time home buyer, they may have to make a quick decision whether or not to buy a home,” Robinson says. To have the offer taken seriously, have a preapproval letter from a lender and make a competitive offer, she adds.Don’t take rejection personallyWhen first-time buyers make offers, “they’re going to get rejected many times,” says Laura Moreno, host of the “First Time Home Buyer Podcast” and founder of a tech startup called HomeFlow that offers an all-in-one homebuying platform.As rejected offers pile up, they take it personally or feel worthless, Moreno says. “What I tell them is just breathe. It’s not a judgment against you.”You might get lucky and have your first offer accepted. But don’t count on it. Realize that for the seller, this is a business decision.Wait before you celebrateYour offer was accepted? Great! Just remember that the home inspection and lender’s appraisal are coming next, and either of them can knock the deal awry. The more excited you get about the seller giving your offer a thumbs-up, the more disappointed you’ll be if you have to give the deal a thumbs-down after the inspection or appraisal.Think about the seller’s needsYou’re focused on your own needs and problems. That’s understandable, but there’s a benefit to thinking about the seller’s needs, too.Jenkins advises making the offer attractive to the seller. That might mean keeping the inspection period short: maybe just three to five days, so the seller can put the home back on the market promptly if you’re dissatisfied with the inspection and decide to move on.Having a preapproval letter from a reputable mortgage lender, paying all of your own closing costs and paying some or all of your agent’s commission are other ways to meet the seller’s needs.Have a backup plan: Don’t buy yetAs fervently as you want to buy a house in 2021, your best option might be to wait until fortune favors you. By putting homebuying on hold for a few months, you give yourself time to save for a bigger down payment and build your credit, and for your local housing market to become less competitive.More From NerdWalletHow first-home shoppers can keep a cool head in a hot market4 market headwinds facing first-time home buyersThe credit score needed to buy a houseHolden Lewis writes for NerdWallet. Email: hlewis@nerdwallet.com. Twitter: @HoldenL. 5691

Police say that a Massachusetts home owned by Tampa Bay Buccaneers QB Tom Brady and his wife, model Gisele Bündchen, was broken into early Monday morning.According to the Brookline Massachusetts Police Department, police were notified when a home security alarm was triggered at Brady's home just before 6 a.m. Monday.Using security cameras in the house, police were able to see that the suspect had moved to the basement. "Multiple" units responded, and when they arrived, they found the suspect lying on a couch in the middle of the room.Police arrested the suspect, 34-year-old Zanini Cineus, formerly of Brockton, Massachusetts. He's with breaking and entering, attempted larceny and trespassing. Police say he was also wanted for "several active warrants" in other parts of the state.Police did not report that anything was stolen from Brady's home.Brady played quarterback for the New England Patriots — who play their home games about an hour south of Brookline in Foxboro — from 2000 to 2019. Earlier this year, Brady signed a two-year contract with the Buccaneers and has been living in the Tampa area for several months.The break-in came just days after reports emerged that Brady's health and wellness company, TB12, had been granted a million PPP loan earlier this year amid the COVID-19 pandemic. 1320

Police have identified the six people who died when a pedestrian bridge crumbled Thursday west of downtown Miami, Florida.On Saturday, Miami-Dade County Police Director Juan Perez said he believed the death toll would not increase. "This ends with a tragedy of six. ... We are pretty confident that no one is left," he said.Rescuers worked day and night to extract the victims and mangled cars from 950 tons of steel and concrete.A police motorcade escorted the remains of five victims to the medical examiner's office. A sixth person died at the hospital.The bridge was meant to connect the campus of Florida International University with a neighborhood that's home to 4,000 of its students.Alexa DuranAlexa Duran, a Florida International student, was in a gray Toyota 4Runner that was extracted from underneath the rubble on Saturday afternoon. The 18-year-old was driving under the bridge Thursday when it came crashing down, and a friend traveling with Duran tried unsuccessfully to pull her out."My little girl was trapped in the car and couldn't get out," her father, Orlando Duran, told El Nuevo Herald, a sister newspaper to The Miami Herald.She graduated from Archbishop McCarthy High School in Southwest Ranches, Florida, in 2017, the school said on Facebook.Ecaudorian Foreign Minister Maria Fernanda Espinosa said on Twitter that Duran's father was Ecuadorian and that the country's Consulate is working to learn more about the accident and provide assistance to the family.Alexa Duran's sister, Dina, posted a tribute on Instagram. "Rest In Peace my sweet little sister. Words cannot describe how heavy my heart is. I would give anything to take your place and all of your pain," she said.Brandon BrownfieldBrandon Brownfield was killed in the bridge collapse, his wife, Chelsea Brownfield posted on Facebook Sunday morning.Police later identified Brownfield, 39, as the victim found in a white Ford pickup truck removed Saturday evening.Brownfield was a crane technician for Maxim Crane, but he was not working on the bridge. In a Facebook post, Chelsea Brownfield said they had been married for almost 4 years and have three girls."Please keep us in your prayers, as I now have to find the words and the answers to tell my girls that their Daddy is not coming home," she wrote.Navarro BrownNavarro Brown, 37, was working on-site at the bridge for Structural Technologies VSL, a company that specializes in bridge cable tension and construction systems, the company told CNN affiliate NBC 6.After the bridge collapsed, he was taken to a hospital and died there, police said.Rolando Fraga HernandezRolando Fraga Hernandez was identified as the victim inside a gold Jeep Cherokee that was removed from underneath the debris on Saturday morning, police said.Alberto AriasAlberto Arias, 53, was pulled from the rubble from a white Chevy truck on Saturday, authorities said.Arias's cousin Ismael Segovia told NBC 6 that Arias "went out of his way to help anybody.""He was a business owner and he just took a lot of pride in his work and family," Segovia said.Oswald GonzalezOswald Gonzalez, 57, was also pulled from Arias's truck. NBC 6 reported that he had been a passenger in the vehicle.The-CNN-Wire 3219

PINELLAS COUNTY, Fla. — Deputies say that a Florida man who robbed a bank on Thursday began throwing money out the window of his getaway car as he led police on a chase.According to the Pinellas County Sheriff's Office, just before 4 p.m., 37-year-old Anquan Walters walked into the Hancock Bank in unincorporated Clearwater wearing long pants, a long sleeve shirt, gloves, glasses with a fake beard and pantyhose over his head.Witnesses told investigators that Walters was carrying a black handgun when he jumped over the counter, he ordered people to the ground and demanded money. Walters was given an undisclosed amount of cash and he exited the bank.Detectives say Walters got into a 1998 Toyota Camry and fled northbound on U.S. Highway 19.As Walters was fleeing from the bank, multiple dye packs exploded and Walters started throwing cash out of the window of the Camry, onto U.S. Highway 19 North, deputies say.A viewer shared a photo of the money scattered on U.S. 19 with Scripps station WFTS in Tampa.Responding deputies spotted Walter's Camry traveling northbound towards the intersection of U.S. Highway 19 and Curlew Road. Deputies tried stopping Walters but he fled in the Camry at a high rate of speed, eastbound on Curlew Road from U.S. Highway 19 North.Deputies initiated a vehicle pursuit and successfully deployed a tire deflation device that deflated the tires on Walter's Camry as he approached Countryside Boulevard.Detectives say Walters lost control of the Camry and crashed into two vehicles that were stopped at the intersection of Curlew Road and Countryside Boulevard.Detectives say Corporal Phillip Love was pursuing Walter's Camry at the time of the crash. Corporal Love was unable to stop his marked 2013 Chevrolet Tahoe cruiser before crashing into Walter's Camry at the intersection.Walters reportedly abandoned the damaged Camry and fled on foot northbound into a nearby apartment complex. Deputies chased Walters on foot and apprehended him shortly after.Detectives say Walter's clothes were covered in colored dye as a result of the bank's dye pack exploding.The driver of one of the vehicles Walter hit was transported to the hospital with non-life threatening injuries. No other injuries have been reported.Detectives arrested Walters and transported him to the Pinellas County Jail.Walters was charged with one count of Armed Robbery, one count of Fleeing and Eluding Law Enforcement, one count of Leaving the Scene of a Crash with Bodily Injury and one count of Leaving the Scene of a Crash with Property Damage.The investigation continues. 2599

PARSONS, Tennessee — A 12-year-old boy led a Decatur County, Tennessee deputy on a chase Thursday morning during a “joyride” in his father’s truck before later crashing into a building. The call came in around 5:45 a.m. local time when the owner of the vehicle reported it as his son and truck. Sheriff Keith Byrd said the boy went on a "joyride" in his father's truck.A deputy later spotted the truck and tried to stop it but the boy allegedly fled. From there, he crashed into a business near two highways.The was significant damage to the building. The boy suffered some bruises. It’s unclear whether he'll face charges. 651