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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

PINELLAS PARK, Fla. — Pinellas Park Detectives have arrested a maintenance worker for video voyeurism after they say he placed video recording devices above the ceiling tiles inside women's restrooms.John Gibbs, 49, of Largo, was arrested on Thursday evening and charged with 14 counts of Video Voyeurism.Detectives say the investigation began on March 2 when Pinellas Park Police were called to an office building located at 12360 66th Street North to investigate a suspicious incident in one of the women's restrooms inside the building.  During the initial investigation, officers located two separate video recording devices above the ceiling tiles inside two different women's restrooms.  After conducting a search of the recording devices, detectives observed video images of multiple women and two men who had been recorded using the restroom.During the investigation, detectives were able to identify Gibbs from images captured on the recording device, as being a maintenance worker for the office building.  Over the last several days, detectives worked to identify victims on the videos.  So far, 14 different victims have been identified. However, several more victims remain unidentified, according to police.Detectives have notified the office building management of their findings. Police say that the office building management has since notified the 60 different small businesses inside the building where the common restrooms are located.Police say that they believe Gibbs had been recording such videos since the beginning of February 2018, before being discovered. The investigation is ongoing as detectives continue to identify other victims. Additional charges are expected. 1818

Police say a white gunman opened fire at a Kentucky grocery store, killing two African-Americans, after he tried and failed to enter a predominantly black church nearby.Gregory Bush, 51 was indicted on five counts Wednesday, including murder and attempted murder; none of them were hate crime charges, despite comments from authorities that the shootings appear to be racially motivated.CNN has reached out to a public defender for Bush and is waiting to hear back.Prosecutor Tom Wine said that because Kentucky's hate crime statute does not include homicides, Bush was not charged with a hate crime for the deaths."A hate crime designation only occurs when the judge makes such a determination at sentencing. If the judge finds a hate crime designation is appropriate, it doesn't add any additional time. The designation is only useful if the judge wishes to deny probation or the parole board wants to defer parole," Wine said in a statement.Hate crimes are considered more difficult to charge and prosecute than other criminal charges, largely because they require law enforcement to prove a specific motivation of bias.Additionally, federal investigators are looking into potential civil rights violations, including hate crimes, said Russell M. Coleman, the US attorney for the Western District of Kentucky.Bush faces two counts of murder for the shooting deaths of Maurice Stallard, 69, and Vickie Jones, 67, inside the Kroger grocery store in Jeffersontown, and in the parking lot outside, Wine said.Bush is also charged with one count of attempted murder stemming from what authorities described as an exchange of gunfire with an armed civilian. The indictment identifies the armed civilian as Dominic Rozier. Bush is charged with two counts of wanton endangerment for firing shots in the directions of two more people, Kiera Rozier and an unidentified juvenile.Jeffersontown Mayor Bill Dieruf said on Monday that the shooting is being investigated as a hate crime based on the circumstances, including the race of the victims and the defendant.Dieruf said investigators are looking into reports that Bush told a bystander before he was captured that "whites don't shoot whites."Bush remains jailed on five million dollars bond. His next court appearance is Friday, he said. 2340

PALM BEACH COUNTY, Fla. -- An unmasked man pulled a gun on a masked shopper and threatened to kill him during an apparent confrontation over face coverings at a Florida Walmart, deputies said.According to the Palm Beach County Sheriff's Office, the store's security video shows Vincent Scavetta pushing an older man in a wheelchair through the Royal Palm Beach store on July 12.In the video, a man with his young daughter approach Scavetta and exchange words. Witnesses said the man made a comment about Scavetta not wearing a mask.The video shows Scavetta giving the shopper the middle finger before pulling a handgun from his waistband, deputies said."I'll kill you," Scavetta said, according to an arrest report.Scavetta faces charges of aggravated assault with a deadly weapon and improper exhibition of a firearm. 826

Police searched early Thursday for a man who robbed a Nashville area pizza chain at gunpoint.Metro Nashville Police officers were called to the Domino's Pizza on Hamilton Crossing in Antioch at about midnight Thursday.  Two employees told officers they heard the drive-thru bell go off, and saw a Toyota Camry parked a short distance from the window. When one of the employees approached the window, he told officers a man who had been crouching below the window jumped up and pointed a handgun at the worker.Police said the suspect then crawled through the drive-thru window and demanded the workers empty the cash register. He took the cash and left the Domino's through the drive-thru window. The victims told police they saw the suspect get into the white Toyota Camry they saw parked away from the window. Neither Domino's worker was hurt in the robbery. Investigators don't have much in the way of a description of the suspect, as the victims told them he had his face covered with a black and white bandana. Officers at the scene told us there is surveillance video that they are reviewing. The video has not been released to the public just yet.  1197

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