06/19/2025
Homebuyers—here’s something most people miss.
When a house sits on the market for a bit, buyers usually think, “Let’s offer under asking and try to get a deal.”
Fair. But there’s a smarter move that could save you way more than just shaving a few thousand off the price.
Let’s say a home is listed at $500K.
Typical buyer strategy: Offer $485K and hope they take it.
Better strategy: Offer full price and ask the seller for $15K in closing cost credits to buy down your interest rate.
Why? Because rate > price when it comes to long-term savings.
At 6.75%, your monthly payment on a $475K loan is about $3,081.
Use that $15K to buy your rate down to 4.75%, and suddenly your payment drops to $2,482.
That’s nearly $600 a month back in your pocket.
Over 5 years? You’ve saved more than $35,000.
(These figures are for demonstration purposes only. Contact a licensed mortgage loan officer or mortgage broker for your exact situation)
You don’t need to lowball the price—you need to shift the strategy.
Want to see how this could work based on your situation? Lets connect and I’ll run the numbers for you.
It’s all about how you play the game—and knowing which moves actually win.
