For many, the thought of moving stirs up mixed emotions. Dreaming about a fresh space can be exciting, but the process of navigating today’s market, with higher interest rates, shifting prices, and fewer homes available, can also feel overwhelming. Buying or selling a home takes both preparation and prayer. Approaching the decision with clarity and a steady pace can help you find the right next step for your life and your finances.

No matter the timing, it is more than a financial choice. It is a life decision. For those who want to honor God in every area, that means looking at real estate through the lens of biblical stewardship. At AdelFi, we believe that begins with slowing down to pray, asking thoughtful questions, and making decisions that meet today’s needs while protecting your long-term financial well-being.

1. Get to Know the Market

Before you call an agent or start scheduling showings, take time to research your local market. Free online tools like Zillow, Redfin, and Realtor.com can give you an idea of current listings, recent sale prices, and how long homes are staying on the market. Many sites also provide market “heat” maps so you can see which neighborhoods are most active.

In many areas today, higher interest rates are slowing sales, but inventory remains tight. That means buyers might need to move quickly when they find the right home, and sellers still need to be realistic about pricing.

Proverbs 18:15 says, “The heart of the discerning acquires knowledge, for the ears of the wise seek it out.” The more you know about your local market, the more confident you will be in making offers or setting your asking price.

2. Be Clear on Your “Why”

Why are you thinking about making a move right now? Are you looking for more space, a shorter commute, or a home in a different school district? Hoping to downsize and free up resources for other priorities?

Your “why” will help you filter decisions when emotions run high. When you know your reasons and have prayed through them, you are less likely to act out of pressure or fear and more likely to make a move that brings long-term peace.

Ask yourself:

  • Is this move necessary right now?
  • Am I ready for the costs that will come with it?
  • Have I prayed about this and talked it over with trusted people?

3. Think Beyond the Price Tag

The list price is only part of the story. If you are buying, budget for closing costs, inspections, moving expenses, and potential repairs. If you are selling, factor in agent commissions, staging expenses, and small improvements that could make your home more appealing.

Online calculators from sites like Bankrate or NerdWallet can help you estimate your total selling costs before you commit. When it comes to paying down your loan, AdelFi’s online mortgage calculator can generate an amortization schedule, including the impact of any principal prepayments.

Luke 14:28 says, “Suppose one of you wants to build a tower. Won’t you first sit down and estimate the cost?” Being realistic about expenses now can prevent financial strain later.

4. Do the Work to Be Ready

If you are buying, get pre-approved with your lender so you know exactly what you can afford and can act quickly when you find the right property. If you are selling, invest some time in making your home shine.

Small updates like repainting, decluttering, or planting flowers can create a strong first impression. You can even use sites like Canva or Homestyler to visualize design changes before making them.

To prepare well, you might also:

  • Review your credit score using a service like SavvyMoney, included free with your AdelFi membership
  • Research trusted local real estate agents with high ratings on Zillow or Google
  • Create a moving budget that includes both expected and unexpected expenses

5. Keep the Big Picture in Mind

A house is more than a place to live. It is where you rest, host friends, and live out your calling. Whether you are buying your first home, upgrading for a growing family, or simplifying for a new season, let your decision reflect your values and your faith.

Matthew 6:21 says, “For where your treasure is, there your heart will be also.” Real estate is not just about the numbers on paper. It is about creating a space that supports the life you are called to live.

Using Certificates to Build Your Down Payment

Not every market is the right one for you, and that is okay. If you decide to wait, use this time to focus on saving for your down payment. A larger down payment can lower your monthly mortgage payments, reduce the total interest you pay, and strengthen your offer when you find the right home. One way to grow your funds during this season is to place them in an account that offers steady returns while keeping your money secure. AdelFi’s Certificate Accounts offer competitive fixed rates for set terms, making them a practical tool for building the financial foundation you need to move forward with confidence.