A little optimism can help propel you when things get difficult in the homebuying market. But if you’re feeling too good about your chances of buying this year — good in ways simply not justified given the current economic conditions — you could find yourself disappointed, at best, and unsuccessful or overextended, at worst. About 28 million Americans plan on buying a home in the next 12 months, according to NerdWallet’s recent annual Home Buyer Report.