As we start 2026, many prospective homeowners are wondering whether now is the right time to make one of the biggest investments of their lives. With shifting market conditions, evolving mortgage trends, and more housing options, January presents a unique opportunity to step into homeownership or build the home you’ve always imagined with StoneRidge Homes.
1. More Options and a Calmer Market for Buyers
After years of fierce competition and bidding wars, the housing market has begun to show signs that favor buyers. Inventory levels have been increasing compared with recent years, and homes are staying on the market a bit longer, giving buyers more time to explore options and negotiate favorable terms. With more choices, you aren’t under the same pressure to make split-second decisions you may have faced in a hotter market.
Whether you’re looking at existing properties or considering a custom build, having greater selection and negotiating room can make January an excellent time to start your journey.
2. Mortgage Rates Are Stabilizing – And Could Improve
Mortgage rates, while still elevated compared to the ultra-low levels seen during the pandemic, have stabilized, and many experts believe they could stay at manageable levels through 2026. This stability makes it easier to plan your financing and budget confidently.
When you build a new home with StoneRidge, you can also explore mortgage products and lender incentives that might help reduce your monthly payments or provide flexible financing – helping you take advantage of current rate conditions.
3. Builder Incentives and Custom Opportunities
Many builders, including StoneRidge Homes, are offering incentives early in the year to help buyers make the move. This can include upgrade options, design incentives, and financing assistance that you won’t typically find in a crowded resale market.
Building a home now means you’re not just buying a place to live – you’re getting a space tailored exactly to your needs and style. From open-concept living areas to luxury finishes, StoneRidge helps you design a home that fits your life perfectly.
4. Build Equity Now Rather Than Rent
With rents continuing to rise, buying or building a home allows you to convert monthly housing costs into equity – meaning every payment brings you closer to owning something of lasting value.
While market conditions aren’t perfect for every buyer, those who are financially prepared and ready to commit can gain a long-term advantage by entering the market now rather than waiting for uncertain future changes.
5. A Strategic Start to Your 2026 Goals
January is a natural time to set goals – and for many families, that includes finding a new home. Whether you’re moving to accommodate a growing family, seeking space for remote work, or simply ready for a change, now is a solid time to act.
With a thoughtful approach and the guidance of the StoneRidge Homes team, you can take advantage of market trends, inventory improvements, and builder incentives to make your dream home a reality.
Make This the Year You Move Forward
The housing market in early 2026 offers greater choice, stabilization in mortgage costs, and builder opportunities that many buyers will find appealing. When you partner with StoneRidge Homes, you’re not just buying a house – you’re building a home that fits your dreams and plans.
Ready to explore your options? Contact StoneRidge Homes today to learn more about building or buying in your ideal community – and make this New Year the year you move into the home you’ve always wanted.