The economy is weird right now. The pandemic has upended daily life for almost everyone, the Federal Reserve is trying to stave off even more dire conditions by lending money for next to nothing, and the unemployment situation remains precarious.

It's a seller's market for homes all around the country right now. People are going into bidding wars and home prices are coming in well above asking. If you're considering buying in the 2021 housing market, it's only reasonable that you might be intimidated. But have...