Hilda Gonzalez
Realty Executives Midwest
Set aside 30 minutes to talk with your spouse or family about:
It’s important your family knows your wishes when you’re not around to guide them.
Sometimes life doesn’t go according to plan. Make sure you protect the people you love.
So why buy now? Despite the hurdles, Gen Z’s top motivation is refreshingly simple: 39% said they bought a home because they wanted one of their own. No elaborate motivations, just main-character energy and a desire to build equity. Seventy-one percent of Gen Z buyers consider their home a good financial investment, with 30% saying it’s better than stocks.
Made with Flourish • Create your own
Of course, the financial realities are real. Gen Z buyers are just getting started in their careers, entering the market with the lowest median household income at $76,000. That pragmatism shows up in the homes they choose. Gen Z buyers were more likely than any other generation to purchase a townhome or rowhouse (10%), often opting for more attainable options. Their typical home measured at 1,600 square feet, with three bedrooms and two bathrooms. It’s giving practical; it’s giving… starter home.
Bottom line? Gen Z may be a small share of buyers today, but they’re already changing the narrative around who buys a home, when they buy, and why. Less tradition, more intention—and honestly, that’s a vibe.
Buyers' View of Homes as a Financial Investment, 2026
Seventy-one percent of Gen Z buyers consider their home a good financial investment, with 30% saying it’s better than stocks.
Source: 2026 Home Buyers and Sellers Generational Trends Report
Chart by Jovi Dai/National Association of REALTORS®.
We create a wedding registry and ask family and friends to help us get what we need to start our new married life. We also create a new baby registry and ask for items that we need to welcome the new baby. Why not do a "Home Buying Registry"? Build a “registry to buy your first home”. I'm sure family and friends will donate whatever amount they can afford...they will also give you advice, and cash you need to purchase a home. Not sure where to start? First decide where and what you want, home or condo? Location, city or suburbs. Find out what you can afford based on your salary and the assistance of a loan originator. Let your family and friends know you just need help for the downpayment. Get inspired by some suggestions below.
Start with getting the guidance of a professional real estate agent. It makes a big difference between paying too much or the right price. The agent you hire will help you with the following:
Find a loan originator with trusted institutions and inquire about downpayment grant, America’s Home Grant, and Affordable Loan Solution.
Get prequalified to know how much you can afford.
Write down all the things you want in a home and share your requirements with the real estate professional. Keep in mind a condo or townhouse usually have HOA fees which add to your expenses.
Where do you want to buy...close to work, friends or family? Do you need public transportation such as a buss or train?
What are your must haves and what are your deal breakers? Do you want a quiet place? or do you want to be within walking distance to restaurants and coffee shops? How many bedroom and bathrooms do you need? Do you need a garage, a yard, or a basement?
Your agent has access to Multiple Listing Service (MLS) and can help you find what you're looking for within your budget.
Start a registry with your family and close friends...just the way you would when you’re getting married or having a baby. Ask relatives to donate towards your home purchase. Before you know it, you will have a downpayment as you get closer to finding your home.
Keep all contributions in a dedicated savings account where your funds can earn interest and stay separate from everyday spending.
Paid Content for Bank of America, Article “The Modern Parent Registry”. Parents Magazine.
A Question Worth Considering
“Should I stay in my home or should I sell?”
This is one of the biggest decisions a homeowner may face. A home is more than a financial investment. — It represents memories, comfort, and the life you have built. But when life changes, it may be time to ask if your current home still fits your needs.
A job loss, the loss of a second income, retirement, or a family change can make homeowners rethink their options.
Start by asking yourself:
Am I Happy in My Current Home?
Do you still enjoy your home, neighborhood, and lifestyle? Does your home support the way you live today, or has it become more responsibility than enjoyment?
Is My Home Affordable and Easy to Maintain?
Consider your monthly expenses, repairs, property taxes, insurance, and upkeep. A home that was once perfect may become difficult to manage as circumstances change.
How Long Can I Maintain My Current Lifestyle?
If your income has changed, ask:
What Is Holding Me Back From Selling?
Many homeowners hesitate because of memories, uncertainty, or fear of change. These feelings are normal, but understanding your options can help you make a confident decision.
When Is the Right Time to Decide?
The best time to evaluate your choices is before you are under pressure. Planning ahead gives you more options and allows you to make decisions based on your goals -not urgency.
Whether you decide to stay or sell, the goal is the same: creating a home and lifestyle that support the next chapter of your life.
If you are facing a life change and wondering what your options are, I would be happy to provide a confidential conversation and help you explore what makes the most sense for you.
Hilda Gonzalez
H/G Homes | Helping You Buy and Sell in the Chicagoland Area
“Discover a Big Life in a Smaller Home.”
Summer is one of the busiest seasons in real estate, and preparation is the key to success whether you're buying, selling, or simply considering your options. Here are some timely tips to help you navigate today's market with confidence.
For Home Buyers
Start Planning Early
If you're thinking about purchasing a home within the next six months, now is the time to prepare. Meet with a trusted mortgage lender and real estate professional to understand your budget, financing options, and the steps involved in the home-buying process. Proper planning can help you avoid surprises and make your transition smoother.
Get Pre-Approved Before You Shop
In today's competitive market, a strong mortgage pre-approval can make all the difference. Sellers are more likely to consider offers from buyers who have already secured financing, and you'll be able to act quickly when the right home becomes available.
Be Ready to Move Fast
Many new listings hit the market mid-week, with open houses scheduled for the weekend. Well-priced homes often receive multiple offers and can go under contract within days. Staying informed and working closely with your agent can help you stay ahead of the competition.
For Home Sellers
Organize Your Home's Records
Before listing your property, gather important information about your home, including:
Providing buyers with this information demonstrates pride of ownership, builds confidence, and can positively influence the perceived value of your home.
Work With a Local Real Estate Expert
Online home search sites can be useful, but they don't always tell the complete story. A local real estate professional has access to the Multiple Listing Service (MLS), market trends, private listings, and neighborhood insights that can help you make informed decisions and maximize your results.
Take Advantage of the Summer Market
Summer remains one of the strongest seasons for both buyers and sellers. With increased activity and motivated buyers in the marketplace, it may be an excellent time to explore your options and determine your home's current market value.
Thinking About Buying or Selling?
Whether you're purchasing your first home, moving up, downsizing, or selling an investment property, having the right strategy can make a significant difference.
Call Hilda Gonzalez at 331.235.2434 to discuss your real estate goals and learn how to position yourself for success in today's market.
Enjoy Summer in the Western Suburbs
While you're exploring real estate opportunities, don't miss the many free outdoor concerts happening throughout the area this summer. Darien, Downers Grove, and Burr Ridge offer a variety of family-friendly events and live music programs throughout June, July, and August. Check your local community website for schedules and details.
Here's to a successful summer of homeownership, new opportunities, and making the most of the season! ????
