Ashley Ware Mortgages

09/23/2026

🚨 **DON’T JUST WATCH THE RATE… WATCH THE OPPORTUNITY!** 🏡👀

Everyone is talking about interest rates.

But here’s what I’m talking to my buyers about: **What can we negotiate RIGHT NOW?**

Today’s market may give buyers opportunities we haven’t seen in years:

🏡 Negotiate the purchase price
💰 Ask for seller-paid closing costs
📉 Use seller concessions toward an eligible temporary rate buydown
📉 Explore a permanent rate buydown
🔨 Negotiate repairs or other contract terms

The rate is only **ONE piece of the puzzle.**

Sometimes buying the right home at the right price — while having more negotiating power — can create an opportunity that waiting for the “perfect rate” might not.

And if rates improve later? We can look at whether refinancing makes sense when the time comes.

**Stop watching just the rate. Start watching the opportunity.** 👢💗

Want me to run the numbers and show you what different seller concessions could do for your payment?

📲 **Ashley Ware | The Line Dancing Lender**
913-444-2354
NMLS #2715992

*Loan options, rates and terms are subject to borrower qualification and program guidelines.*

09/23/2026

🏡 Everyone is over here talking about INTEREST RATES…

Meanwhile, I’m talking to my buyers about the HUGE opportunity in this housing market that we haven’t seen in YEARS. 👀

In just the past two months, 47% of our clients who went under contract were able to negotiate the purchase price, receive seller credits, or BOTH. 🤯

Yes, rates may be higher than buyers would like.

But the HOUSE may be on sale. 🔥

Buyers are negotiating. Sellers are contributing. And in some cases, homes are appraising above the negotiated purchase price — meaning buyers may be walking into their new home with equity from day one.

And here’s another piece I LOVE 👇

💃 Through Loans With Ash | The Line Dancing Lender, we don’t just help you close and disappear.

Our Client for Life technology continues monitoring your mortgage after closing. If an opportunity comes up that could potentially lower your rate or monthly payment, you can be alerted so we can look at the numbers together.

And as an existing client, you may also have refinance options available with no lender fees or out-of-pocket costs, depending on the loan and market conditions.

✨ So instead of only asking, “What’s the rate?”

Let’s also ask:

What can we negotiate on the house?
How much can we get in seller credits?
Can we use those credits toward an eligible temporary rate buydown?
And what does the TOTAL opportunity look like?

Some eligible buyers may even be able to use seller-paid funds toward a temporary buydown that brings the initial rate into the 4s, depending on the loan, market rate, available seller concessions, and program guidelines.

🏠 If you’re thinking about buying, let’s run the numbers and see what opportunities are available to YOU.

💃 Ashley Ware | The Line Dancing Lender
Benchmark Mortgage
NMLS #2715992
🌐 ashleywaremortgages.com

09/20/2026

WHICH OPTION MAKES SENSE FOR YOU? 🏡

There isn’t a one-size-fits-all answer. The better fit can depend on your budget today, how long you expect to keep the loan, available seller concessions, and your long-term plans.

⏳ TEMPORARY BUYDOWN

Lower payments now. Full payment later.

A 2-1 or 3-2-1 temporary buydown may be worth exploring when:

✓ You want more breathing room in your monthly budget during the first few years of homeownership.

✓ You expect your income to increase over the next few years.

✓ You want extra room in your budget for moving expenses, furniture, repairs, or other costs that come with buying a home.

✓ The seller is offering concessions and you want to explore using some of those funds to reduce your initial monthly payments.

✓ You understand that your payment will increase according to the buydown schedule until it reaches the payment based on the full note rate.

Something to remember:
A temporary buydown does not permanently lower your note rate. The reduced payments only last for the specified buydown period.

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🔒 PERMANENT BUYDOWN

Lower rate for the life of the loan.

A permanent rate buydown may be worth exploring when:

✓ Your priority is getting a lower interest rate for the long term.

✓ You expect to keep the mortgage long enough for the upfront cost of discount points to potentially make financial sense.

✓ You prefer a payment based on the same lower rate from the beginning, rather than having a temporary payment reduction that phases out.

✓ You have available funds or eligible seller concessions that can be used toward discount points.

✓ You want to compare the upfront cost vs. potential monthly savings before deciding.

Something to remember:
Paying discount points costs more upfront. If you sell or refinance relatively soon, you may not keep the loan long enough for the monthly savings to offset that initial cost.

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HAVE SELLER CONCESSIONS?

Don't automatically assume a price reduction is the only option.

Depending on the transaction and loan program, eligible seller concessions may be used toward:

Temporary Buydown → Reduce payments during the first few years

Permanent Buydown → Pay discount points to obtain a lower rate

Closing Costs → Reduce the amount of cash you need at closing

THE BEST WAY TO DECIDE?

Compare the numbers.

Ask your loan officer to show you:

Price Reduction vs. Temporary Buydown vs. Permanent Buydown vs. Closing-Cost Credit

Seeing the upfront cost, monthly payment, total savings, and break-even point can help you decide which strategy fits your situation.

Ashley Ware
Mortgage Loan Officer | The Line Dancing Lender
Benchmark Mortgage | NMLS #2715992

09/18/2026

Come dance with us THIS SATURDAY from 5-10PM! 🤠 $5 entry at the door.

Here’s the schedule:
🍔 5PM - Kelley’s, Graffiti Pop, and Cara’s Sweet Shots open
👩🏻‍🐰‍👩🏼 6PM - Swing dancing lessons
🕺 7PM - Line dancing lessons
🪩 8-10PM Self guided dancing for the rest of the night!

📍 14301 Parallel Rd, Basehor, KS

09/16/2026