Buying a home is exciting, but many people start thinking about it months—or even years—before they’re ready.

Life doesn’t stand still—and neither do your housing needs.

Buying a home is an exciting milestone, and getting a mortgage doesn’t have to feel intimidating. Lenders review a few key factors to make sure you can comfortably manage your loan, and understanding these can help you feel more prepared and confident as you navigate the process.

Whether you're planning to build, buy, or renovate in 2026, strong preparation turns a big decision into a confident one.

Making a confident decision starts long before you sign a contract.

If you’re thinking about making a housing change in 2026, you’re not alone. Many families across the Midwest are asking the same question: Should we build, buy, or stay put and renovate?