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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

OTAY MOUNTAIN, Calif. (KGTV) - An illegal immigrant rescued by Border Patrol agents during hot weather in South San Diego County "signaled gratitude" with a thumbs up gesture, CBP San Diego said.The man had crossed the border illegally and called 911 from Otay Mountain Thursday after midnight to get help, officials said. Agents used a helicopter to find the man and remove him from rough terrain, according to the CBP San Diego Twitter feed. Temperatures in the area were in the mid-80s with high humidity at the time.The immigrant was suffering from severe dehydration and was treated at a Border Patrol station, officials said. The unidentified man, a Mexican citizen, faces removal, CBP San Diego tweeted. 718

Police Chief Mike Koval in Madison, Wisconsin arrested WISC-TV Meteorologist Dave Caufield during a live newscast for "stealing spring," according to the station.Koval and Capt. Cory Nelson 'arrested' Caufield for charges of spreading false hope for warmer weather and not following through on promises."You are so infatuated with breaking records that we believe you are instigating this prolonged pain and misery," Koval said.Caufield said he's taking the fall for Mother Nature's crimes.Although we're all upset about the weather, the only one to blame here is Mother Nature herself. The Madison Police Department will not actually be pressing charges against Dave Caufield.  721

Police arrested an 18-year-old man Saturday morning in the port area of Dover in connection with an attack a day earlier on a train at a London Underground station, London's Metropolitan Police said.It was a "significant arrest" as the investigation continues, Deputy Assistant Commissioner Neil Basu, the senior national coordinator for counterterrorism policing, said in a statement."This arrest will lead to more activity from our officers. For strong investigative reasons, we will not give any more details on the man we arrested at this stage," he said. 567

PINE VALLEY, Calif. (KGTV) - A woman was taken into custody in East San Diego County on suspicion of smuggling methamphetamine with her 6-year-old son in her car, U.S. Border Patrol Agents said Wednesday. The arrest happened about 9 p.m. Tuesday at the Interstate 8 checkpoint in Pine Valley. Agents pulled over the 25-year-old woman who was driving a 1999 Ford Expedition. A K-9 alerted agents to the SUV’s rear door, where they found 65 bundles of crystal meth in the rear spare tire, officials said. The woman, a Mexican national, was arrested. Her son is now in the care of Child Protective Services. Agents said the drugs had a street value of 9,352. 666

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