Ivan Cano Realtor

10/29/2026

Now available in East El Paso:

14141 Tierra Halcon Drive
El Paso, TX 79938

This updated 3-bedroom, 2-bath home offers 1,331 square feet of living space in the established Tierras community.

The floor plan includes a spacious living area, dining space, and primary suite, with convenient access to shopping, dining, schools, parks, and major thoroughfares.

If you’ve been looking in the 79938 area, take a look at the video and let me know if you’d like to see it in person.

Full property details:

View photos and detailed information for 14141 TIERRA HALCON DR, El Paso, TX 79938 - Greater El Paso Association of REALTORS®(GEPAR MLS), MLS #953558, don't miss your chance to own this hot property!

10/28/2026

This is the contradiction I think a lot of buyers are struggling with right now:

“It’s supposedly a buyer’s market... so why does buying still feel so expensive?”

Because a buyer’s market and an affordable market are not the same thing.

Buyers may have:

More homes to choose from.

More negotiating leverage.

More price reductions.

More seller concessions.

More builder incentives.

All of that is real.

But financing can still be expensive.

So two things can be true at the same time:

This can be a very good market for buyers to negotiate in...

and still be a very expensive market to finance in.

That distinction matters.

The market may give you leverage.

The payment still has to work for your life.

10/28/2026

If a seller agrees to give you $10,000, most buyers naturally think:

“Take $10,000 off the price.”

But that may not actually be the strongest use of the money.

Imagine two options.

Option 1:

Reduce the purchase price by $10,000.

That lowers the loan amount and may lower the monthly payment somewhat.

Option 2:

Keep the purchase price where it is and use that $10,000 toward allowable closing costs or a financing strategy.

Depending on the loan and transaction, that may reduce the amount of cash you need at closing, preserve more of your reserves, or potentially improve the interest-rate structure.

Which one is better?

Run both.

The goal is not to walk away saying:

“I negotiated $10,000 off the house.”

The goal is to walk away with the strongest monthly payment and the strongest cash position after closing.

That is why deal structure matters.

10/27/2026

Sellers did not suddenly become generous.

The market changed.

There are more sellers competing for fewer buyers.

Homes are sitting longer.

Price reductions are elevated.

Pending sales have been weak.

And buyers are more willing to walk away.

That changes the balance of power.

But here is where I think buyers can make a mistake:

They negotiate only for the biggest price reduction they can brag about.

That is not necessarily the best outcome.

The better question is:

“What can I negotiate that leaves me in the strongest financial position after closing?”

Sometimes that is price.

Sometimes it is seller-paid closing costs.

Sometimes it is financing assistance.

Sometimes it is repairs.

Sometimes it is simply preserving more of your own cash.

Negotiate the outcome.

Not just the headline.

10/27/2026

Why does a 7% mortgage rate change the housing equation so much?

Because a home can become cheaper and still feel more expensive.

When financing costs rise, the exact same purchase price creates a larger principal-and-interest payment.

That is part of why today’s market can feel so strange.

Buyers may have more negotiating leverage.

Sellers may reduce prices.

Concessions may be more common.

But the monthly payment can still remain uncomfortable.

That is why I would not build a home-buying decision around the headline rate.

Ask:

“What does today’s rate actually do to my payment?”

Then ask:

“What purchase price works with the payment I am comfortable carrying?”

That is something we can calculate.

The rate matters because of its impact on your financial life—not because 7% simply sounds good or bad.

10/26/2026

A lot of buyers are asking some version of this:

“If this is finally a buyer’s market, why does buying still feel so expensive?”

Because two different things are happening at the same time.

The market may be giving buyers more negotiating leverage.

There may be:

More inventory

More price reductions

More seller concessions

Less competition

More room to negotiate

But financing can still be expensive.

That means you can have a market that is favorable for negotiating without having a market where every monthly payment suddenly feels affordable.

That distinction matters.

A buyer’s market tells you that you may have more leverage.

It does not automatically tell you whether the house works for your budget.

Run both sides of the equation.

10/24/2026

Here is one of the biggest misunderstandings about today’s housing market:

A buyer’s market does not automatically mean an affordable market.

Those are two different things.

A buyer’s market may give you:

More homes to choose from.

More seller concessions.

More price reductions.

More negotiating leverage.

But you can negotiate $20,000 off a house and still end up with a monthly payment you are uncomfortable carrying.

That is why I think buyers should separate two questions.

Question one:

Can I negotiate a better deal?

Question two:

Does that better deal actually create a payment that works for my life?

A $20,000 price reduction sounds significant.

And it is.

But do not stop at the purchase price.

Run the payment.

The better question is whether that price reduction actually moves the monthly obligation from uncomfortable to comfortable.

A buyer’s market gives you negotiating power.

It does not automatically give you affordability.

10/21/2026

A buyer’s market can give you more leverage.

But leverage and suitability are not the same thing.

Maybe sellers are negotiating more.

Maybe inventory is higher.

Maybe you found a strong concession.

Maybe a builder is offering an attractive rate.

That can all be useful.

But it does not mean you should automatically buy.

If the payment stretches you every month...

if closing drains your savings...

if you still have expensive debt that needs attention...

if your income is unstable...

if you may move again soon...

or if the property does not fit your actual life...

then the market being “good for buyers” does not make that purchase good for you.

A deal is only good if the numbers and the life around those numbers actually work.

You can get a great deal on the wrong house and still make a bad financial decision.

10/20/2026

A lot of buyers start their home search with:

“What house can I get?”

I think that is backwards.

Start with:

“What monthly housing payment can I comfortably live with?”

And calculate the whole thing.

Not just principal and interest.

Include:

Property taxes

Insurance

Mortgage insurance if applicable

HOA dues

Then look at your cash position.

How much will you need to close?

How much cash are you willing to use?

How much will remain afterward?

Once you know that, compare the actual scenarios.

Scenario one:

Buy a resale home.

Scenario two:

Buy new construction with builder incentives.

Scenario three:

Wait another 6 to 12 months and improve your credit, debt, income, or reserves.

Then compare where each decision actually puts you.

The goal is not to buy the biggest house you can qualify for.

It is not to negotiate the largest discount.

And it is not to chase the lowest advertised interest rate.

The goal is to make a housing decision that works for your life and leaves you in a stronger financial position afterward.

10/19/2026

“I negotiated $20,000 off the house.”

That sounds great.

But I would immediately ask:

What did that actually change?

Did the monthly payment become meaningfully more comfortable?

Did you need less cash at closing?

Did the seller take care of an expensive repair?

Did you preserve more of your emergency reserves?

Did you reduce some other financial risk?

This is why I think buyers should negotiate the structure of the
transaction, not just the headline purchase price.

The biggest discount is not automatically the strongest deal.

The best negotiation is the one that improves your financial position after closing.

That may be price.

It may be seller-paid closing costs.

It may be repairs.

It may be financing assistance.

It may simply be preserving cash.

The goal is not to win the negotiation on paper.

The goal is to improve your life after you get the keys.