Home for the Holidays: Why Buy Before the New Year

Homeowners exchanging gifts in their CB JENI townhome.

The holidays bring family, traditions, and a chance to buy your first home. While others focus on gifts and celebrations, the housing market is offering opportunities you don’t want to miss. If you’re thinking about homeownership, now might be the perfect time to act.

Here’s why:

  • Lower mortgage rates: Rates are now below 6.2%, making monthly payments more affordable.
  • More homes available: There are more newly completed homes ready now, which means more choices and negotiating power.
  • End-of-year builder incentives: Builders are offering special savings, lower interest rates with preferred lenders, and other perks to help you close before December 31st.
  • Tax benefits: Buy before December 31st and you could save on mortgage interest, property taxes, and more.

Lower Mortgage Rates

As of late 2025, mortgage rates have fallen below 6.2%, according to Freddie Mac. This is a significant drop compared to earlier in the year when rates hovered around 7%. For homebuyers, this means lower monthly payments and potential savings of hundreds of dollars per month.

For example, on a $300,000 mortgage, a 1% rate reduction could save you approximately $200 per month or $2,400 annually, making homeownership more affordable than ever. Experts predict rates may increase again in 2026, so locking in a low rate now could be a smart financial move.

More Homes Available

The housing market has seen an increase in inventory, with Realtor.com reporting a 15% rise in homes for sale compared to last year. This expanded selection gives buyers more options to find their dream home and greater negotiating power when making offers.

During the holidays, there are typically fewer buyers competing, giving you the upper hand. With the slower holiday real estate market, now is an excellent time to secure a home without the stress of the peak spring and summer frenzy.

End-of-Year Builder Incentives

This holiday season, builders are offering exclusive incentives to close on homes before the end of the year. At CB JENI Homes, we’re providing special savings on select homes, including reduced rates through preferred lenders, closing cost contributions, and other perks to make your move easier and more affordable.

These limited-time offers are designed to help you ring in the new year in a brand-new home, while saving money and enjoying a smoother buying process. Now’s your chance to lock in a great deal before these incentives end.

Tax Benefits

Buying a home before December 31st can bring significant tax advantages. The IRS allows homeowners to deduct mortgage interest, private mortgage insurance (PMI), and property taxes, lowering overall taxable income.

For example, paying $10,000 in mortgage interest and $5,000 in property taxes in your first year could potentially reduce your tax bill by thousands. These savings can help offset initial costs like your down payment or moving expenses. By acting now, you can start the new year with a new home and financial benefits.

Why Buy Now?

Homeownership protects you from rising rents and offers long-term financial stability. According to Apartment List, national rent prices have increased by over 25% in the past five years, and this trend is expected to continue.

Buying now allows you to lock in a fixed monthly mortgage payment, giving you peace of mind and shielding you from future rent hikes. Plus, owning a home builds equity over time, creating a valuable financial asset.

Don’t Wait

The time to buy is now. With low mortgage rates, growing inventory, special builder incentives, and year-end tax benefits, the holiday season is the perfect opportunity to invest in your future.

Explore our quick move-in homes available today or join our interest list to keep learning more. Let us help you find your dream home before the year ends!