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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

PARRIS ISLAND, S.C. – Two sets of sisters graduated Marine Corps recruit training together, further strengthening their bonds.The Marine Corps Recruit Depot (MCRD) in Parris Island, South Carolina, says one set includes Virginia sisters Ashley and Amber Valentine, while the other is comprised of Maria, Vanessa and Melissa Placido Jaramillo, who grew up in Nevada.According to MCRD, the Valentine sisters joined shortly after their grandfather passed away and wanted to carry on his legacy in the U.S. armed services.Ashley, 19, and Amber, 22, say having each other to rely on through training helped during some of their highest highs and lowest lows.“I went through a moment during first phase where I received some bad news in a letter, and she was there to be a shoulder for me to lean on,” Amber said in a press release posted to MCRD’s Facebook page.However, the Valentines won’t be attending combat training together, because Ashley suffered a hip fracture prior to graduation and must heal. After combat training, Amber plans to serve in the communications field and Ashley will be certified as a motor transportation operator.As for the Placido Jaramillo family, Maria, Vanessa and Melissa made a pact to join the military together when they were young children, according to MCRD. Melissa and Vanessa, both 22, are identical twins. Maria is a year younger than them at age 21.During recruit training, Melissa says the sisters succeeded thanks to friendly competition and daily positive affirmation.MCRD says the three sisters have yet to find out what military occupational specialty they will be assigned but are looking forward to what the Marine Corps has in store for them. All three plan to complete their education, though. 1748

Police surrounded a Panera Bread near the Princeton University camps after a gunman was reported to be inside. According to New Jersey Attorney General's office, police shot the gunman dead. According to the Princeton University alert page, two campus buildings near the restaurant were evacuated as a precaution. Classes are currently not in session, as Princeton is on its spring break.The standoff continued from the lunch hour into the late afternoon. The identity of the deceased man is being withheld pending notification of family members. No further details of the shooting are being released at this time due to the ongoing investigation. 675

Phoenix police are investigating after a young child was run over and killed by a parent Thursday night.According to Phoenix police, 21-month-old Samuel Hamilton died after he was struck by a car at a home near Interstate 17 and Northern Avenue.Authorities say the victim's father, 49-year-old Richard Hamilton, was moving a truck on his property when he hit his son. Hamilton stopped after feeling a "bump under the tire," police said.Samuel was taken to the hospital but died of his injuries, officials said,Hamilton is facing multiple charges in connection with the incident including DUI and negligent homicide. 633

Police said four people were injured Wednesday in two separate knife attacks about 30 minutes apart in central Vienna, Austria.Three victims were injured in the first attack outside a restaurant near the Nestroyplatz subway station, a police spokesman told CNN. The victims were a couple and their daughter, CNN affiliate ORF reported.The fourth victim was injured in the second attack at Praterstern, a major city square, the spokesman said.Authorities are investigating whether the incidents are linked, the spokesman said.Police are still searching for the attacker or attackers, the spokesman said.Witnesses said they saw police swarming the area.Michael Eisenriegler, who lives next to where the stabbing happened, told CNN he saw flashing lights and went downstairs."There were maybe ... one or two dozen policemen (at the site of the attack.) And they are still there," he said."(The road) is blocked. They are searching," Eisenriegler said.Clemens Oistric, a journalist at Austrian newspaper Heute, said he was in his office nearby during the attack."People shouted because three people were hit by a man who had a knife. They're in hospital," Oistric said told CNN. 1182