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s you cruise through your neighborhood, you can't help but notice the "For Sale" signs and imagine yourself living in one of those homes. You've got a vision for the garden, the family gatherings, and even the accent wall color. But there's a catch: mortgage rates are too high to make buying a home a smart move right now.

    While you wait for rates to drop, don't just sit around twiddling your thumbs. Real estate experts suggest taking proactive steps to strengthen your financial position and be ready to pounce when the time is right. Here are four key moves to consider:

    First, focus on improving your credit score. A higher credit score can lead to a lower interest rate and save you thousands over the life of the loan. According to Matt Schwartz, co-founder of the VA Loan Network, this means reducing debt, making timely payments, and keeping credit utilization low.

    Next, build up your savings for a larger down payment. This not only reduces your loan amount but also sends a positive signal to sellers and lenders, potentially leading to better terms and negotiations. As Schwartz notes, preparing now sets you up to take full advantage of lower rates when they become available.

    While waiting for rates to drop, explore homebuyer programs in your area that support first-time buyers or those with specific backgrounds. These grants can be a game-changer, making homeownership more accessible.

    Finally, network with real estate professionals, including agents and mortgage experts. Connect with them to learn about upcoming programs or rates, and consider getting pre-approved for a mortgage even if you don't plan to buy immediately. This will give you clarity on your budget and signal to sellers that you're a serious buyer.