Spring has a reputation as the busiest time of year in real estate, and it is not just a myth. Nationally, more sellers tend to list in spring, with activity rising in March and peaking later in the season. There are a few factors that contribute to this, among them being that families tend to move around the school calendar. Whatever the cause, one thing is for sure, spring has sprung and California’s housing market is feeling the effects.
To help you feel ready for the bustling world of spring real estate, we sat down with one of our Golden 1 Home Loan Advisors (HLA), Ashley Russell, for a quick Q&A on what to expect this season and how to move with confidence when the right home shows up.
A little about Ashley Russell, our HLA expert
Ashley has 20 years of experience as a loan officer, joining Golden 1 as a Home Loan Advisor two years ago. I’ve worked in all the varying spaces, from subprime to private wealth, and feel I’ve found my ‘home’ with Golden 1.” says Ashley of her journey.
Here’s what she had to say about the homebuying queries we served:
Q: Let’s start with a little background: why is spring considered the busiest homebuying season?
A: Traditionally, spring is when a lot of inventory hits the market. Sellers often list their homes now so they can move in late spring or summer, when kids are out of school and the holidays are no longer a distraction. That timing brings more buyers into the mix too, which is what makes the season feel so active.
Q: What does this uptick in action mean for market prices?
A: We sometimes see a lift in prices but, more importantly, with more inventory we see more buyers coming to market.
Q: What do you anticipate for this spring season specifically? Will it be busier than what’s typically seen or a little milder?
A: This spring market will be competitive! We’re already seeing activity pick up substantially. There have been a lot of buyers and sellers waiting “for rates to come down” for the last several years, and people are getting off the sidelines and ready to make moves.
Q: Do you have tips for credit scores and down payment goals that buyers should have in mind?
A: Homeownership is usually a lot closer than many people think. There are programs that can fit most potential buyers, and the most important first step is working with a loan officer who can help you understand what your specific situation qualifies you for.
If you are still in the early stages, a simple way to build confidence is to start with a prequalification, which is an early estimate based on information you share. Working with a Golden 1 Home Loan Advisor, you can also get a preapproval, which is different from a prequalification in that it’s a more thorough review that verifies your information (often including credit score) so sellers can take your offer more seriously.
You may also want to ask about the Golden 1 Buyer Advantage Program, which can help lower closing costs by crediting up to 25% of your real estate agent’s commission when you work with a Golden 1 Preferred Real Estate Agent.
Q: What specific programs can buyers leverage this season?
A: Now through May 29th, 2026 Golden 1 is offering a $1,500 Purchase Closing Cost Credit on eligible first mortgage purchase loans, and the credit is applied at closing, up to $1,500. Other buyer incentives offered year-round include our On My Way First-time homebuyer loans, which offer up to 105% financing. Buyer Advantage also offers up to 25% of your agent's commission credited towards your closing costs when you work with a Golden 1 Preferred agent.
Q: Are there any market signals buyers can pay attention to this season?
A: Yes, and this one is refreshingly simple. If you are thinking of buying, watch open house activity. If you walk into an open house and it is packed, that is a pretty good indicator you may have competition and you may need to be ready to move quickly if you love the home.
A quick “buying like a pro” recap
If spring homebuying had a theme, it would be preparation and momentum. Get clear on what you can afford, keep your documents organized, and leverage support from local experts early so you are not scrambling when your dream home hits the market. Golden 1 is here to support you, from scrolling the real estate websites to moving day.
When you’re ready to take the next step, connect with a Home Loan Advisor who can guide you with expert support. Be sure to also check out the Golden 1 Home Loans Mobile App so you can stay connected throughout the process, from browsing to buying.
