Why life insurance
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Are you thinking about buying or selling a house this year? Believe it or not, there are certain months of the year that are historically better for sellers — and other months that are more likely to be better for buyers.
“In a seller’s market, where there is high demand for homes and limited supply, it can be a good time to sell a home,” explains Adie Kriegstein, a Licensed Real Estate Salesperson and founder of the NYC Experience Team at Compass.
“In contrast, a buyer’s market, where there are more homes for sale than buyers, can be a good time to buy a home but not to sell one,” she says. (This is in addition to factors like fluctuating mortgage rates, and changes to the interest rate set by the Federal Reserve.)
We asked Kriegstein what she thought about timing the housing market, as well as what buyers and sellers can do to prepare in advance. She also offered a few pieces of good advice for buyers who are hoping to find their new home before the year ends — and a few tips for sellers who want their house to sell as quickly as possible.
If you’re thinking about selling your home, try to have your listing ready to go by early spring.
“Typically, spring and summer are popular times to sell a home,” Kriegstein explains. “The weather’s getting warmer, and people are more likely to go house-hunting — especially if they want to finish the moving process before the next school year begins.”
Whether you’re selling to a growing family that wants to take advantage of a better school district or a newly married couple hoping to use their summer PTO to set up their starter home, putting your house on the market in the spring and summer can be advantageous to your financial situation by netting a higher purchase price.
“During these seasons, there may be more competition among buyers and more homes for sale,” says Kriegstein. “This can lead to higher prices and more bidding wars.”
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If you’re thinking about buying a home, see if you can hold off househunting until fall, or even winter. “The fall and winter, especially in colder climates, tend to be less competitive for buyers,” Kriegstein told us.
While buying a house during the fall and winter months could add unnecessary stress to the busiest seasons of the year, timing your move to a fall or winter break could save you a lot of money. Sellers are often willing to cut a deal as the year ends, especially if they are hoping to factor their home sale into their upcoming tax return. You can also see if they’re willing to cover closing costs or even pay for the home inspection.
That said, your selection may be limited to houses that didn’t sell during the summer, which means that many of the best houses may have already been sold to somebody else.
“There may be fewer homes on the market,” Kriegstein explained, “which can limit buyers’ choices.”
“If you are planning on buying a home in the next year,” says Kriegstein, “it’s important to get pre-approved for a mortgage before you start your househunting process. This will help you gain a better idea for how much you can afford to pay for a house, and it will allow you to move quickly with submitting an offer should you find the right one.”
Once you have your mortgage pre-approval letter, you can start making a realistic assessment of which houses you might be able to afford, and which of those houses might be best for you and your family.
“Define your priorities by making a list of your must-haves and nice-to-haves in a home, including location, size, style, and features,” Kriegstein advises. “This will help narrow down your search and focus on the homes that best fit your needs.”
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“If you are planning on selling your home in the next year,” Kriegstein told us, “it’s important to take the time to address any necessary repairs or updates your home needs before putting it on the market. This will not only get your home showing ready, but will also let you present your home in its best light.”
Some people choose to fully renovate their home before selling it, but if your home is already in good repair, all you may need to do is give a few rooms a refresh before staging your home for professional photos. “Simple updates like decluttering, adding fresh paint and rearranging furniture will go a long way in making your home more appealing to buyers,” Kriegstein says. “You could even hire a professional stager to help make your home look its best for showings.”
Kriegstein has one more tip to help sellers attract the right potential buyers. “Make sure to set a realistic price so that your house doesn’t languish on the market,” she says. “A well-priced home gets traffic and then offers.”
That said, keep in mind that real estate is complex—and even the best-timed listings may not sell as quickly as expected. “Ultimately, the best season to buy or sell a home depends on a variety of factors, including individual circumstances, the local housing market, and the larger economy,” Kriegstein reminds us. “It’s important to work with a knowledgeable real estate professional who can help guide you through the process and make informed decisions based on current market conditions.”
Nicole Dieker has been a full-time freelance writer since 2012, with a focus on personal finance and habit formation. In addition to Haven Life, her work regularly appears at Lifehacker, Bankrate, CreditCards.com, and Vox. Dieker spent five years as a writer and editor for The Billfold, a personal finance blog where people had honest conversations about money, and is the author of Frugal and the Beast: And Other Financial Fairy Tales.Read more by Nicole Dieker
Haven Life is a customer-centric life insurance agency that’s backed and wholly owned by Massachusetts Mutual Life Insurance Company (MassMutual). We believe navigating decisions about life insurance, your personal finances and overall wellness can be refreshingly simple.
Haven Life is a customer centric life insurance agency that’s backed and wholly owned by Massachusetts Mutual Life Insurance Company (MassMutual). We believe navigating decisions about life insurance, your personal finances and overall wellness can be refreshingly simple.
Our content is created for educational purposes only. Haven Life does not endorse the companies, products, services or strategies discussed here, but we hope they can make your life a little less hard if they are a fit for your situation.
Haven Life is not authorized to give tax, legal or investment advice. This material is not intended to provide, and should not be relied on for tax, legal, or investment advice. Individuals are encouraged to seed advice from their own tax or legal counsel.
Haven Term is a Term Life Insurance Policy (DTC and ICC17DTC in certain states, including NC) issued by Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111-0001 and offered exclusively through Haven Life Insurance Agency, LLC. In NY, Haven Term is DTC-NY 1017. In CA, Haven Term is DTC-CA 042017. Haven Term Simplified is a Simplified Issue Term Life Insurance Policy (ICC19PCM-SI 0819 in certain states, including NC) issued by the C.M. Life Insurance Company, Enfield, CT 06082. Policy and rider form numbers and features may vary by state and may not be available in all states. Our Agency license number in California is OK71922 and in Arkansas 100139527.
MassMutual is rated by A.M. Best Company as A++ (Superior; Top category of 15). The rating is as of Aril 1, 2020 and is subject to change. MassMutual has received different ratings from other rating agencies.
Haven Life Plus (Plus) is the marketing name for the Plus rider, which is included as part of the Haven Term policy and offers access to additional services and benefits at no cost or at a discount. The rider is not available in every state and is subject to change at any time. Neither Haven Life nor MassMutual are responsible for the provision of the benefits and services made accessible under the Plus Rider, which are provided by third party vendors (partners). For more information about Haven Life Plus, please visit: https://havenlife.com/plus
Jun 1, 2023
Easy to apply I just got approved last week so haven't had to make any claims or anything like that (as this is a life insurance policy, guess that's a good thing lol). But what put Haven Life at the top of my list was their intuitive website and easy application process. All done online and then the physical exam was done in my home! Very easy process.
–S Speightread more at
May 25, 2023
There was truly no medical exam for their term life insurance. The customer service was responsive and helpful. The price was comparable to another company with the same terms.
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May 11, 2023
Wonderful company!! I definitely recommend Haven life!! Awesome at finding the best coverage for me! Great coverage that is affordable!! Glad I listened to the recommendation that was given to me about this company
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May 10, 2023
I looked into two other companies. The coverage was comparable but I was most impressed with Haven Life’s customer service. I was also impressed with the pricing tools.
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Apr 19, 2023
Pros: -Easy online application -Can get coverage immediately after applying online -Pretty seamless process throughout the experience Cons: -Although told I was covered initially after applying online, I was informed that I needed to get physical check up in order to continue the plan. -Although I’m very healthy, my plan price increased 2x after the physical checkup.
–Malcolmread more at