The Best Homebuying Options for Austin Buyers in 2026

By Linda Welsh

Specialize in representing savvy Buyers and Sellers for residential, second home, vacation properties, lake and hill country properties, new and existing homes, land and lots. Relocation services include area, community and neighborhood expertise and helping the entire family to find the perfect home to meet their needs and wish list.

Imagine finding the perfect home, only to realize your budget will not stretch far enough. This is a common scenario for many buyers in Austin, especially first-time homebuyers.

You may have heard that interest rates have dropped to around 6%. That is actually a good rate compared to history, even if it does not feel low to buyers who remember the very low rates from a few years ago. With the right help and some creative ideas, you can still make your dream home a reality.

Here are some ways to make buying a home easier and more manageable.

“Buy before you sell” programs. Even if you need to sell your current home to buy a new one, there are solutions. Programs like “buy before you sell” allow you to move into your dream home first, giving you time to prepare your existing property for sale. This can even increase your home’s resale value, potentially giving you more equity when it finally sells.

The “3-2-1 Buy Down”. This approach temporarily lowers your mortgage payments in the first few years, making your home more affordable as you get settled. Here is how it works:

• Year 1: Pay 3% less than the market interest rate
• Year 2: Pay 2% less than the market rate
• Year 3: Pay 1% less
• After Year 3: Return to the current market rate

This method helps buyers manage payments as their income grows and provides flexibility to refinance later if interest rates change. Importantly, the seller covers the buy-down, so it does not reduce their net proceeds or affect agent commissions. This creates a win-win scenario: buyers can afford their dream home, and sellers still complete a smooth, profitable sale.

Why working with an experienced realtor matters. Creative solutions like the 3-2-1 buy down are just one example of the advantages an experienced realtor provides. A skilled agent can negotiate effectively, identify lender programs that match your needs, and guide both first-time and move-up buyers through the entire process. Working with a professional ensures that you can:

• Explore flexible financing options
• Enter competitive offers without overextending financially
• Navigate the homebuying process with confidence

Join us for buyer seminars and personal guidance. We offer buyer seminars for anyone looking to learn more about purchasing a home. These seminars include:

• Expert guidance from realtors and lenders
• Opportunities to ask questions about your specific situation
• Private one-on-one sessions via Zoom or phone

You do not need to be a first-time buyer to attend. These resources can help you confidently navigate the Austin market and take the next step toward homeownership.

If you have any questions or want to sign up, reach out to (512) 657-4033, email linda@lindawelshrealty.com, or visit LindaWelshRealtyGroup.com. I’d love to help you get started.