10/10/2026
Let's be honest for a minute....
Is the interest rate stopping you from buying a home?
Are you nervous to buy in a slower market?
What if I could help you with the interest rate?
What if I told you all the investors buy in a slow market - because that's when you get the best deals?
This market opens a lot of opportunities for buyers that haven't existed for the last several years. If you buy when no one else is buying, you have no competition, the sellers are more likely to negotiate, and you could get a great deal on a home.
Ok, rates are higher than they have been in the last 6 years, yes. But they're still under 8%. And the 30-year average for interest rates is around 7%. So we're not out of line or super high in relation to market history.
If you have the ability to negotiate with sellers and get a good deal or ask for cash back at closing to put towards an interest rate buy down, not only could you get a great deal but we can also get you a better interest rate and payment. Take a look at the savings on this chart. Same house, same price, over $700/m cheaper in year 1. Savings that could be funded by the seller!
There are different ways to structure it so you get a bigger savings in the first year and have time to refinance if rates go down. Or we can get your rate lower with a permanent buy down.
If this interests you or makes you think that maybe there's still opportunity for you to buy, let's have a longer conversation about your particular needs and concerns. We can customize these numbers to your situation.
A conversation is free. Missing an opportunity can be costly.
StacyBudinski.com
Stacy Budinski, Realtor - Coldwell Banker Realty
Brian Courtney Ruoff Mortgage
