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Dreaming of a New Home in 2026? Here’s How to Get Ready Today

December 11, 2025

If you’re dreaming of owning a home in 2026, the steps you take today can make the process smoother, more affordable, and far less stressful. At Dicharry Homes, we’re here to help you prepare confidently, whether you’re exploring communities or simply starting to plan for the future. Here are 10 friendly, practical tips to get you ready:

1. Check your credit and clean up your financial profile – A stronger credit score now gives you more flexibility later. Take a moment to review your report, fix any errors, and make small improvements so you’re in great shape when it’s time to apply for a mortgage.
2. Save for your down payment – Small, steady steps make a big difference. Take a look at your monthly habits and find easy places to trim. Cutting back on unused subscriptions, reducing how often you eat out, or swapping a few weekly splurges for at-home alternatives can free up more money for your future home. Even modest changes add up quickly when you’re consistent, and every little bit gets you closer to your 2026 front door.
3. Explore mortgage options early – We work with approved lendersCedotal Mortgage, Hancock Whitney, Assurance Financial, and American South Financial. The loan officers and mortgage specialists can walk you through loan types and help you get pre-approved so you know exactly what price range fits your budget.
4. Avoid major purchases – Hold off on buying a car, furniture, or anything that could negatively affect your debt-to-income ratio.
5. Decide what you truly want in a home – Think about the type of home you want by considering the essentials, including your ideal square footage, the number of bedrooms and baths you need, and whether a single-story or two-story layout fits your lifestyle best. From storage needs and outdoor space to open layouts versus more defined rooms, these details help you picture how you’ll truly live in the home. Create a simple list of must-have features so you can confidently recognize the perfect fit when it becomes available.
6. Narrow down your preferred locations – Explore the communities we proudly build in—Gray, Schriever, and Thibodaux. Each area offers its own charm, from peaceful neighborhoods to convenient access to local dining, schools, and everyday essentials. Taking time to consider which setting feels most like “home” will help you confidently move forward when the right opportunity appears.
7. Browse communities you can picture yourself in – We offer a curated selection of newly constructed homes in Rienzi, Ferrantello Estates, Northpark, and Rienzi Villages. These neighborhoods are ideal for buyers who want high-quality craftsmanship, comfort, design, and convenience without waiting on new construction timelines.
8. Take a look at our move-in ready homes – If your timeline shifts sooner, we have gorgeous options available right now, including new homes in Thibodaux LA.
9. Be sure to ask about our builder incentives – You may qualify for $5,000 or $10,000 in Dicharry Dollars, or even a $10,000 price drop on select homes. We’re here to make your homebuying experience feel even more rewarding
10. Stay connected with a builder who cares – We love helping families plan ahead and find the perfect fit at the perfect time.

Dreaming about new homes in Thibodaux LA, Gray, or Schriever? Let’s make your 2026 move exciting. Call us today at 985-262-3967, we can’t wait to help you start your journey home!

This post was written by Dicharry Homes.