Posts from March 2026
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What is More Beneficial? A Price Reduction or Seller Credit?
I believe most buyers, in their negotiations, actually negotiate the wrong thing when making an offer to purchase a home. I'll explain...
If you ask for $12,000 off the purchase price of a $600,000 home, you will only reduce your monthly payment by about $72. That's it! Seventy-two dollars.
If you ask for a $12,000 seller credit and use it to buy down the interest rate, you can reduce your monthly payment by $195. Same $12,000. Almost three times the impact.
Here is why the math works out this way.
A $12,000 price reduction on a $600,000 home only drops your loan amount from $570,000 to about $558,600. Spread that over 30 years at 6.5%, and the monthly amount is barely noticeable.
But putting that same $12,000 applied as a seller credit towards buying down your rate drops you from 6.5% to roughly 6%. On a $570,000 loan, that small rate difference saves you almost $200 every month. Over the life of the loan, that's over $70,000 in total interes...
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Smart Ways to Refresh Your Home Without Taking On Major Projects
When you want to give your house a new look, the biggest changes are often right in front of you. Our real estate agents know that the areas of your home you often ignore have great potential to improve, and fixing up these forgotten spaces can make your home look better without big renovations or construction work.
Look at Your Ceilings
Most homeowners never think about their ceilings, but this "fifth wall" has a big impact on how a room feels
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