Disclaimer1
If you’re searching for the best homebuying dates, you’re not alone. It’s a common question, and for good reason. Timing can influence inventory, competition, and even pricing. The truth is: preparation matters more than the calendar. Early-year homebuying isn’t about finding a magic month; it’s about creating space to plan and move forward with confidence.
Ready to ditch the “best time to buy” headlines and start planning ahead for a better 2026? Read on!
What People Mean When They Search for The “Best Homebuying Dates”
You’ve probably read articles weighing the pros and cons of seasonal trends. However, national advice about the “best month” rarely accounts for local market dynamics, where demand and supply vary greatly. Rather than relying on a single date, the smart move is to focus on preparation.
Planning early in the year positions you to act when the right opportunity appears.
Why Early-Year Homebuying Gives You More Control
Starting the process early gives you several key advantages:
- Fewer rushed decisions
- More time to evaluate options
- Easy to explore communities and compare floor plans
- More time to choose the design options you really want
- Less urgency, more flexibility
- Time to make informed choices…without the pressure that can come later in the year
Take Advantage of Limited-Time Offers with Taylor Morrison Early This Year
Building a home is exciting, especially when financial predictability makes the journey even sweeter. Lock in your mortgage rate early to enjoy peace of mind while your home takes shape.
The Offer
4.99% / 5.07% APR Conventional 30-Year Fixed Rate with a 9-month extended rate lock when using Taylor Morrison Home Funding, Inc.
What is a Rate Lock?
With a locked-in rate throughout the build, you can count on predictable payments and confidence in your budget. That gives you more time to choose the perfect lot and personalize your home from top to bottom.
Personalization For the Person Who Knows Your Style Best—You!
Your home should feel like you. From the exterior details to the floor plan and every finish inside, personalization at our Design Studio puts you in control. Choose the layout that fits your lifestyle, select colors and materials that reflect your personality, and create spaces that feel uniquely yours. Our Design Consultants are here to help you create a home that fully reflects your aesthetic and vision.
How Shifting Mortgage Rates Affect Timing in 2026
While waiting for a lower rate may seem like the best plan, the surge often makes inventory tight. In fact, waiting around for a lower rate can mean fewer options, lost opportunities, and more competition.
Instead of trying to time the market perfectly, consider how a rate lock can provide predictability. Planning early can help you secure financing and protect against fluctuations.
You’ll Have More Options Before Peak Competition Months
Spring and summer are peak buying seasons, which means more listings, but also more bidding wars. When you start planning early, you can select available lots and personalize exterior and interior options…without the rush.
What Early Planning Looks Like
- Explore communities and available lots
- Choose the floor plan that speaks to you
- Personalized design, from the countertops and cabinets to the flooring and smallest finishes
- Secure financing
- Take advantage of our 4.99% / 5.07% APR Conventional 30-Year Fixed Rate with a 9-month extended rate lock when using Taylor Morrison Home Funding, Inc.
If You’re New to the Housing Market, We’ve Got You
Homebuying takes time, and early planning gives you the space you need for every step. Preparation creates flexibility, which can lead to better decisions and a smoother experience. And of course, our teams are here to help you during every stage of the journey.
The Best Homebuying Dates are the Ones You’re Prepared For
The truth is, the best homebuying dates aren’t on a calendar; they’re the ones you’re ready for. Preparation leads to better outcomes, more choices, and greater financial confidence.
Ready to explore? Discover communities, floor plans, and design options at your own pace, and start planning for a home that fits your life—without the pressure.
- Blog is intended for general informational purposes only and not as an exhaustive comparison of all factors applicable to your personal financial situation. Data used was derived from third-party sources and deemed reliable as of the date obtained, but not guaranteed, offered as investment or tax advice, or independently verified by Taylor Morrison; all information remains subject to change outside of Taylor Morrison’s control. Images do not reflect a racial, ethnic, age or familial status preference. All registered and unregistered marks of third parties used for illustrative purposes only are the exclusive property of the respective owners.
Limited Time Fixed Interest Rate 4.99% / 5.07% APR (“Promotion”) valid on new home contracts entered as of 1/9/26 -1/31/26 (“Promotion Period”) on select to-be-built homes that close on or before 10/30/26 (each, an “Eligible Home”). The advertised Annual Percentage Rate (“APR”) of 5.07% APR is calculated using seller incentives and is based on a Conventional 30-Year fixed rate mortgage with a Total Purchase Price of $500,000 and a loan amount of $400,000, 20% down payment and 780 median credit score. Available for conventional conforming loan limits, owner-occupied only. Taylor Morrison has locked in, through Taylor Morrison Home Funding, Inc. (“Affiliated Lender”), a fixed interest rate for a pool of funds (minimum loan amount $225,000). Rate is only available for a limited time until pool of funds is either depleted or rate expires. Promotion may be offered in addition to, and not in lieu of, any additional Seller closing cost incentives, if applicable, as outlined in the Incentive Addendum to the Purchase Agreement. Interest rates and available loan products are subject to underwriting, loan qualification, and program guidelines. Maximum seller contributions apply. Actual savings will vary by the community, floor plan, lot premium, options of home and availability. At closing, Seller agrees to pay up to $8,000 towards seller paid Temporary Buydown Fund, closing costs, up to one year HOA Dues, pre-paids and/or discount points.
For eligibility of the above finance Promotion, Qualified Buyer of an Eligible Home must (1) pre-apply with Affiliated Lender by visiting www.taylormorrison.com/home-financing prior to submitting offer to qualify for the finance Promotion; (2) use the services of Closing Agent selected only by Seller and finance with Affiliated Lender; and (3) satisfy all other closing date and eligibility criteria. Seller reserves the right to modify the above finance Promotion terms and/or Promotion Period at any time prior to contract. Buyer is not required to finance through Affiliated Lender and/or to use such Closing Agent selected by Seller to purchase a home; however, Buyer must use both the Closing Agent selected by Seller and finance through Affiliated Lender to receive the finance Promotion. Interest rates and available loan products are subject to underwriting, loan qualification, and program guidelines. Maximum seller contributions apply. Not to be combined with any other incentive offer, except as otherwise expressly set forth above or in an Incentive Addendum to the Purchase Agreement. Other restrictions may apply. Taylor Morrison Home Funding, Inc. is not acting on behalf of or at the direction of HUD/FHA or the federal government. Not all Borrowers will qualify. Services not available in all states. Taylor Morrison Home Funding, Inc. NMLS #8588, 495 N. Keller Rd. Suite 550, Maitland, FL 32751. Licensed locations: AZ: #0917436 | CA: DFPI #4130023 | CO: Registration #8588, PH# (866) 379-5390 | FL: MLD1920 | GA: #52654 | IN: #DFI-66890 | NV: #3938 (branch located at 1820 Festival Plaza Dr., Ste. 220A, Las Vegas, NV 89135 PH# 702-680-1085) | NC: #L-191654 | OR: #ML-4272 | SC: #MLS-8588 | TX: #8588 | WA: #CL-8588 | www.nmlsconsumeraccess.org
Offer void where prohibited or otherwise restricted by law. Please see a Taylor Morrison Community Sales Manager for details and visit www.taylormorrison.com for additional state or community specific disclaimers, licensing information or other details (as applicable). ©January 2026, Taylor Morrison, Inc. and its respective Selling Entities (collectively, “Taylor Morrison”) ↩︎
