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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

PALA (CNS) - A blaze broke out early Tuesday morning in a trailer northeast of Pala, killing a man who lived inside, authorities said. The fire on Magee Road north of state Route 76 was reported around 12:20 a.m., Cal Fire spokesman Issac Sanchez said. Firefighters responded and found a single-wide trailer fully engulfed in flames, Sanchez said. Crews knocked down the flames in just under an hour, then searched the trailer and found a man dead inside, Sanchez said. The age and name of the victim were not immediately available. Investigators from the sheriff's Bomb/Arson unit were sent to the scene, and an investigation was underway into what sparked the blaze. 676

PARK COUNTY, Colo. — A California church leader was identified as a man found dead off Guanella Pass, Colorado, in 1974, officials announced on Tuesday.Anthony John Armbrust, who led a metaphysical church and was also an aeronautical engineer, was 45 when he and his wife went missing, according to David Kintz, the Park County coroner.Kintz said Armbrust's death was likely a suicide. His remains were first discovered in February 1974, but the case went cold.After identifying Armbrust through forensic genetic genealogy, investigators learned that Armbrust had been suffering from a terminal illness and that he and his wife, Renee, had moved from the San Diego, Calif., area to Golden, Colorado, near Denver.Armbrust then sent his church members a letter, asking them to come collect he and his wife's belongings from their Golden apartment. The couple was not seen again.Renee Armbrust's remains have not been found.Kintz said Anthony Armbrust died from multiple blunt force injuries, likely from an intentional jump or from a fall while climbing to make a jump.Armbrust's remains were found off Guanella Pass near Grant in an area with steep, treacherous terrain, Kintz said.Kintz's office began using forensic genealogy in the case in 2019 and contacted the DNA Doe Project, a group that works to identify unidentified people through DNA research.The investigators eventually traced DNA from Armbrust's remains to a relative, who helped them make a final identification.This story originally reported by Ryan Osborne on TheDenverChannel.com. 1556

PINELLAS COUNTY, Fla. — Using animals like dogs and horses for therapy when it comes to PTSD is fairly common, but there is a Vietnam veteran in Pinellas County who is using Birds of Prey.“When I feel worthless they remind me that I have a purpose, they give me a reason to get up even on my bad days,” said Ria Warner.Warner is married to a military veteran and also suffers from her own past trauma. She said when she started bonding with Birds of Prey, like Thunder the Bald Eagle, she felt like she had grown a pair of wings herself.“They help me to identify little things before like an anxiety attack or depression would set in, so they’ll help you find those triggers before they get pulled,” said Warner.Over the past seven years, Patrick Bradley has paired dozens of different species with more than 4,000 military veterans and their families.“The raptors are apex predators, so are soldiers, number two, the raptors were hurt, so were soldiers, so they bonded quicker,” said Bradley.All of the birds come from wildlife rehabilitation organizations. Their injuries deemed too severe to be released back into the wild.“We don’t hand veterans right from the wild our animals, these birds have been vetted by us,” said Bradley.Bradley credits the bald eagle for saving his own life after returning from Vietnam. He is proud that he has been able to share this therapy through the organization, Avian Veteran Alliance, bringing these majestic birds to people in need.“Get lost in the moment, get lost in the bird, and they come back they are smiling, they are animated, they enjoy it,” said Bradley.There is also a book about Bradley’s life entitled “The Eagle On My Arm,” written by Dava Guerin and Terry Bivens that will be available in October.This story originally reported by Robert Boyd on abcactionnews.com. 1828

Paul Manafort and Rick Gates' case has added a new criminal charge or charges as of Wednesday, though whether the action is additional grand-jury approved indictments or indicates a coming a plea agreement remains a mystery.A record-keeping book in the federal courthouse in Washington included a new sealed filing in Manafort and Gates' case, which was opened in late October when the former Trump campaign advisers pleaded not guilty to money laundering and failure to properly disclose their foreign lobbying work. The filing contained no additional information.The filing could indicate additional indictments in the case, or it could be a type of charge called a criminal information, which would indicate an agreement between prosecutors and a defendant.Prosecutors on Manafort's case said on Friday they found evidence of bank fraud and related conspiracies, for which Manafort had not been charged.CNN has also reported that Gates has spoken to prosecutors about his case and has been negotiating a plea deal for more than a month. It's still unclear this week whether he is closer to finalizing an agreement. Both Manafort and Gates maintain their not guilty pleas.A European lawyer who worked with Gates and Manafort years ago pleaded guilty Tuesday to lying to special counsel Robert Mueller's investigators about his interactions with Gates and an unnamed Ukrainian. Gates at courthouse 1411