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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

PHOENIX, Arizona — Aaron Wallace was sleeping when he was attacked in his bed.The patient at the Arizona State Hospital was stabbed by Reuben Murray, a fellow patient with a murderous past, who was wandering the halls unsupervised in the middle of the night with a sharpened pencil, according to a recent lawsuit filed against the state.The lawsuit raises new questions about safety and security inside Arizona’s only public psychiatric hospital and whether conditions have improved after sweeping changes and promises were made following an extensive KNXV television station three years ago.  The lawsuit also alleges warnings about Murray’s aggressive behavior were ignored in the days before the stabbing.“The place is not better,” said Josh Mozell, an attorney representing Wallace. “Things have not changed. And for our clients, it’s becoming more dangerous.”The director of Arizona’s Department of Health Services, Dr. Cara Christ, did not answer specific questions about the stabbing, citing patient privacy laws.But in a written statement, Christ said the safety and well-being of patients are of “paramount importance.” [Read the full statement at the bottom of the page]Wallace was stabbed on October 3, 2017, and he filed a lawsuit against the state in October this year. The case is being brought by Mozell and fellow attorney Holly Gieszl, who collectively represent many individuals with mental illness.Some of the significant claims from the lawsuit: 1483

Parents in Jackson Township, Ohio were on edge Tuesday morning after authorities said a 7th-grader shot himself inside the boy's bathroom.The mass shooting at a Florida high school last week rocked the nation, putting parents and school officials on high-alert— and the incident at Jackson Memorial Middle School was no different.RELATED: 7th-grader shoots himself at Jackson Memorial Middle School in Stark CountyOne father whose child goes to the school said he put a piece of armor in his 8th-grade son's backpack over the weekend.One dad tells me he put a piece of body armor in his 8th grade son’s backpack over the weekend. @wews— Sarah Phinney (@sarahphinneytv) February 20, 2018 699

Phoenix police say a woman has died in an officer-involved shooting Wednesday evening. The incident happened near 43rd Avenue and Union Hills Drive around 7 p.m.Police say no officers were injured in the shooting.According to police, around 6:45 p.m. officers responded to a call of shots fired in the area. As officers arrived, a woman reportedly ran out with an AR-15 style rifle and fired shots which prompted officers to return fire, hitting the woman.Police say the woman was pronounced dead at the hospital. No further information was immediately available.  592

PINE VALLEY, Calif. (KGTV) — A Pine Valley restaurant owner says he will defy the county's order that shuts down indoor dining beginning Saturday."We are over it," said Larry McNamer, who owns Major's Diner in Pine Valley. "We can't do any more going backward. We can't. Not and stay open and be a viable part of the community."McNamer says 2020 has been a very challenging year, with sales down and its staff cut in half. Now, the increase in the coronavirus case rate is pushing San Diego County into the state's purple tier of restrictions, it's most strict. That means come Saturday, restaurants will no longer be allowed to serve indoors at 25% capacity, instead, they'll be limited to outdoor-only dining as the weather turns cold. McNamer said he takes the virus very seriously and has put social distancing measures in place. However, he says moving to outdoor dining only will make it impossible to survive, with temperatures in the 30s in the mornings. The diner is only open for breakfast and lunch."And at this point, if they want me to, I'll be more than happy to put the keys on the counter and leave them an invoice for the business and they can write me a check for it," he said.In a statement, the California Department of Public Health said it understands the frustrations, but that the spread of coronavirus remains a major concern. "California’s cases of COVID-19 are ticking upward, and the state is urging Californians to continue to do everything they can to protect themselves and the community from increased transmission of the virus," the statement said. "We know that this is hard, as many of us feel exhausted, isolated or impatient."The county restaurant industry has been hit especially hard amid the pandemic, with jobs down about 17% over the year, or 22,000 positions. "All hopes have to be on this vaccine being distributed quickly and working, and allowing us to move through the tiers," said Ray Major, chief economist at SANDAG. McNamer, who owns the diner with his wife Debi, said if the county levies fines on them, so be it. "Wonderful, where are you going to get it?" he said. "You can fine me 0,000 a day and it's not going to do you any good because you're not going to get the money." 2240

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