09/30/2026
Rates jumped. Buyers panicked. Smart buyers are negotiating. 💡
The 30-year fixed just hit 7.4%, its highest in over a year, and a lot of buyers are sitting on the sidelines. That means less competition and more motivated sellers. More than 4 in 10 listings have already dropped their price.
But here's the part nobody's talking about: asking for a price cut might not be your best move. The same seller dollars put toward a rate buydown could lower your payment by hundreds a month in the first few years. 👀
Swipe to see the math ➡️
Big economic news drops this week (inflation data Wednesday, jobs report Friday), so things could move fast. Let's run your numbers now so you're ready when the right home shows up.
💬 DM "PAYMENT"
*Example: $500K home, 10% down, 7% rate, principal and interest only. With a 3/2/1 buydown, the rate is 3% lower in year 1, 2% lower in year 2, and 1% lower in year 3, then returns to the full rate. From year 4 on, the payment is higher than with the price-cut option. For illustration only, not a loan offer. Real estate is local, and your numbers will vary.