New Year, New Home Goals: Let’s Make 2025 Your Year of Homeownership!

As we step into 2025, it's time to turn your dreams of homeownership into reality. Whether you’re a first-time buyer or looking to make a move, the start of the year is the perfect time to set your sights on a new home. The dsmSOLD Team at Keller Williams Legacy Group is here to guide you every step of the way in the Des Moines real estate market.

Let’s explore actionable steps to help you achieve your homeownership goals in 2025 while ensuring you have all the tools and information to make confident decisions.

Why 2025 Is the Perfect Year to Buy a Home in Des Moines

The Des Moines housing market offers a unique mix of affordability, accessibility, and opportunity. With a steady growth rate, low unemployment, and a vibrant community, Des Moines remains one of the best places to call home.

Here’s why now is the time to make your move:

• Interest rates are still historically average, but it’s always wise to act before potential increases. Remember higher rate now means less likely competition. Waiting for rates to drop likely means higher purchase prices. One of those you can change my refinancing. The other you cannot.

• New developments and growing neighborhoods offer options for every budget and lifestyle.

• Des Moines is a family-friendly city with top-rated schools, parks, and thriving local businesses. Des Moines is perfect for anyone and everyone!

Step 1: Set Clear Homeownership Goals

Begin by asking yourself:

• What type of home fits your needs? (Single-family, townhome, condo?)

• Which neighborhoods suit your lifestyle? (Downtown living, suburban charm, or something in between?)

• What’s your budget, and how much can you save for a down payment?

Defining your goals helps narrow your search and keeps you focused throughout the process.

Step 2: Get Pre-Approved for a Mortgage

Pre-approval is your golden ticket to understanding your purchasing power and showing sellers you’re a serious buyer.

• Work with a trusted lender who understands the Des Moines market.

• Gather your financial documents, including proof of income, credit history, and debt-to-income ratio.

• Aim for a credit score of 620 or higher, but options are available for lower scores.

Our team can connect you with reputable lenders who can help make this step a breeze.

Step 3: Research Des Moines Neighborhoods

Each neighborhood in Des Moines has its unique charm. Popular areas to explore include:

• Downtown Des Moines: Ideal for young professionals seeking nightlife and entertainment.

• Beaverdale: Known for its historic homes and tight-knit community.

• South Des Moines: Offers affordable housing options and proximity to parks and schools.

Use tools like Google Maps and community forums or visit neighborhoods in person to get a feel for the area.

Step 4: Partner with Local Experts

Buying a home is one of the biggest financial decisions you’ll make, so having the right team by your side is essential. The dsmSOLD Team knows the ins and outs of the Des Moines market and can:

• Provide insights on pricing trends.

• Guide you through negotiations.

• Ensure a smooth closing process.

Step 5: Stay Flexible and Patient

The home-buying process can take time, especially in a competitive market. Here’s how to stay prepared:

• Be ready to act fast when you find the right home.

• Don’t skip the home inspection—this step protects your investment.

• Keep an open mind—you might discover hidden gems in unexpected places.

Final Thoughts

2025 can be your year of homeownership, and the journey starts with a single step. Whether you’re looking to upsize, downsize, or purchase your first home, The dsmSOLD Team is here to help you navigate the Des Moines real estate market with confidence.

Let’s make your homeownership dreams a reality. Contact us today to start your journey!