05/20/2026
Most Cincinnati buyers get laser-focused on negotiating the list price… and totally miss the other places you can win big.
Meanwhile, the stuff that can actually save you the most money? It doesn’t even touch the list price. Welp, there’s that.
First up: ask the seller to buy down your rate. This alone can save you tens of thousands over the life of your loan. Like… real money.
Then there’s repair credits. Instead of the whole back-and-forth over who fixes what (because… exhausting), ask for a credit at closing.
You keep the money, pick your own contractor, and make it look how you want. Way less headache.
Also — don’t forget to ask what stays. Appliances, furniture, window treatments… it’s all negotiable. (And that’s money you don’t have to go spend later. Ope, love that.)
And please — talk to more than one lender. I’ve seen the same buyer get wildly different rates just by making two extra calls. It matters.
I’m Sami, a Cincinnati real estate agent. Follow along for the stuff most agents don’t tell you until it’s a little too late.
DMs are always open if you’ve got questions 💬
And stick around for all things Cincy — new listings, things to do, and what life here actually looks like.