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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 (AP) — An Arizona family is searching for a U.S. Marine who left for Camp Pendleton on Monday but never arrived at the base outside San Diego.Stacy Wallace says her 20-year-old son, Job (JOHB) Wallace, loves the Marines, was recently promoted and was excited to get back to Pendleton after a three-day leave.She says he was last seen leaving a friend's house in Surprise, Arizona around 9 p.m. Monday.A Surprise police spokesman says officers took a report and have turned the matter over to the Naval Criminal Investigative Service. NCIS officials did not immediately respond to questions from the Associated Press.Stacy Wallace says her son's phone was last pinged Monday night in Arizona, but a Border Patrol camera spotted his truck the next morning southeast of El Paso, Texas. 798

Pennsylvania has emerged as a hotspot for online misinformation on Election Day, with Facebook and Twitter trying to quickly take down false posts about voting in the state so they don’t confuse voters or stoke doubts about the integrity of the election. Misleading claims have spread for hours on social media about polling machine outages in Scranton and a poll worker destroying ballots cast for President Donald Trump. Misinformation experts say misleading videos, posts and photos from the battleground state are lighting up social media. 551

OTAY MESA, Calif. (KGTV) - R.J. Donovan State Prison houses some of California’s most infamous inmates but is now getting attention for testing innovative rehabilitation methods.One of the projects is an ambitious, 1,000-foot long mural scaling the concrete walls of part of the prison known as Echo Yard.It’s being spearheaded by inmates Erik and Lyle Menendez. The two gained notoriety in the 1990s for their highly publicized murder trial, when they were convicted of killing their wealthy parents in their Beverly Hills home. At trial, they told jurors it was motivated by years of sexual abuse from their father.READ: Donovan State Prison's 'Echo Yard' takes innovative approach to rehabilitation, reduce recidivismAfter being convicted, they spent 20 years apart in separate prisons. But in April of 2018, they were reunited at Donovan State Prison in Echo Yard. 10News got a glimpse at their life together behind bars. Lyle and Erik declined to be interviewed but showed off part of the mural project they’ve been involved in.The mural depicts landmarks across San Diego including Balboa Park, the Point Cabrillo lighthouse and the historic Mission San Diego de Alcala.The project came about thanks to help from Brahman Kyrie, a volunteer who had been running yoga and meditation classes in the prison. “There’s got to be consequences but there also has to be the love,” said Kyrie.She said the idea of the murals came from a conversation with the Menendez brothers.“I spoke to Lyle and Erik who had been thinking about the beautification,” she recalled.WATCH: WHAT IS THE ECHO YARDWith the help of volunteers from SDSU and with outside donations from Visions Quality Coatings and Encore Art Paint, they began the project in 2019.Echo Yard is classified as a “mixed” yard, bringing together inmates of different security levels on the premise that they will coexist peacefully in exchange for some freedoms.“I do it for therapy, it keeps me grounded,” said inmate David Armstrong about the mural project.“It’s giving me a peace of mind,” echoed Ruben Radillo, an inmate who will be getting out of prison at the end of February after a 25-year sentence.“Don’t be afraid of me,” he said. “I’m going to be a good neighbor, thanks to projects like this. Absolutely.” 2277

PHOENIX — A high school play with controversial costumes has some parents outraged.Three students at the Arizona State University Preparatory Academy Phoenix campus dressed in Ku Klux Klan costumes for a school play. Parents say the school never notified them or the rest of the student body that was not in the drama class.The popular play, "The Foreigner," was performed at an assembly for all high school students. "Three students dressed as the KKK walked down the middle of the assembly as part of a play," explained one parent, who wanted to remain anonymous at his daughter's request. "They were in hooded robes."The Klansmen are part of the scripted comedy play but this parent says the characters could have easily been portrayed without "full regalia.""We can talk about racial prejudice, we can talk about the insensitivity, but to have our children put on the robes and assume the characters, it's wrong...There is no justification for it," the parent said.A spokesperson for ASU Preparatory Academy issued the following statement: 1066