04/21/2026
Most St. Cloud area buyers focus on negotiating the list price and miss finding leverage in other areas.
Meanwhile, the levers that can save you the most don't touch the list price at all.
Ask the seller to buy down your rate. This can save you tens of thousands over the life of the loan.
Then there's the repair credits. Instead of going back and forth over who fixes what, ask for a credit at closing.
You keep the money, choose your own contractor, and what it looks like when it's finished.
Don't forget to ask what stays with the home. Appliances, furniture, window treatments, these are all negotiable. (And that's money you don't have to go spend later).
And most importantly: talk to more than one lender. I've seen the same buyer get wildly different rates just by making two extra phone calls.
I'm Ann, a real estate agent in the St. Cloud area. Follow along for the stuff most agents don't tell you until it's too late.
As always, my DMs are open for your questions. Follow along for all things central Minnesota, the best new listings, things to do around the St. Joseph & St. Cloud area, and a look at life here.
