You’ve been scrolling listings for months — maybe years — wondering if now is the right time. You’ve watched prices jump and fall, interest rates shift up and down, homes that used to disappear before you could even make an offer, now sit. Your last agent promised to “keep you updated,” but stopped returning calls. The advice you’ve found online is all over the place, and half the time it feels like you need a finance degree just to understand it.

Now, every decision feels risky. What if I overpay? What if I choose the wrong neighborhood? What if I regret it the second I move in?