It’s the most wonderful time of year to buy a house. (And we don’t mean the gingerbread kind.)

With the holiday season in full swing, there are many items on your to do list and it may seem counterintuitive to add a big ticket item to that list. But if you’re thinking you may want to make a move, now may be the time to add finding your dream home to your list. Check out these four reasons why December may be the time to purchase your next house.

1. You hold the cards.

Nobody wants to think about moving when there’s pie to eat and stockings to stuff. So, anyone who’s selling probably needs to do it fast. And their need for speed could work to your advantage when negotiating.

2. Supply and lower demand.

Due to the holiday season festivities and colder temperatures, many would-be-sellers hold off putting their homes on the market. Even though there aren’t as many homes for sale this time of year, there’s also historically fewer buyers according to Realtor.com research. With fewer buyers in the market this could provide more opportunities to close the deal on your dream home.

3. Temperatures are falling and rates are low.

With the historic low rates and down payments as low as 3%,* now is the perfect time to take advantage.

4. Everything else is on sale, too.

If you need a new couch, new area rug, or home decor, chances are there’s a holiday sale for that. And, wouldn’t you know it, we have a Max Rewards Visa Credit Card that pays you cash back on every purchase. However, bear in mind that new debt and lines of credit can affect the financing of your home. So, if you’re eyeing that couch, wait until after you close.

Finally, if you do decide to buy, make sure to notify Santa of your change of address. We don’t want you getting coal by mistake.

Connect with one of our friendly, expert Loan Officers today at LMCU.org/Mortgage.

†For well qualified borrowers.