09/05/2026
Sometimes the better deal isn’t the lower purchase price.
Here’s an example:
You’re looking at an $800,000 home and the seller is willing to give a little.
Most buyers immediately think: “Great, let’s get $20,000 off the price.”
But depending on your loan, that same $20,000 may do a lot more for your monthly payment if it’s used toward an interest-rate buydown instead.
And that’s why the negotiation isn’t always just about how much you get from the seller. It’s about where that money helps you most.
The best offer strategy looks at the whole picture: purchase price, monthly payment, interest rate, closing costs, and how long you plan to own the home.
Before you automatically ask for a price reduction, ask your lender to run both scenarios. The difference might surprise you.
Thinking about buying? Send me a message. I’m always happy to talk through the options before you write the offer.
Exact savings will vary based on interest rate, loan program, down payment, buydown structure, and other financing terms.