09/29/2026
š” In a real estate market where interest rates and inflation are putting pressure on affordability, the RIGHT strategy can be what gets the house SOLD.
When a listing isnāt moving, whatās usually the first move?
Reduce the price.
But is that always the right move? š¤
Before cutting $10,000, $15,000 or even $20,000 from the asking price, consider what those same dollars could potentially do if they were offered as a seller concession toward the buyerās financing instead.
A price reduction may only make a relatively small difference in the buyerās monthly payment.
But strategically using seller concessions toward a rate buydown and/or closing costs could have a much greater impact on the affordability problem many buyers are facing today.
š” Same seller dollars. Different strategy. Potentially much bigger impact.
For sellers, it can mean making the home more attractive without immediately cutting the listing price.
For buyers, it could mean a more affordable monthly payment and/or less cash needed at closing.
And for Realtors, it gives you another tool to market a listing beyond:
āPRICE REDUCED.ā
Before you reduce the price, RUN THE NUMBERS.
š² Realtors & Sellers: Send us the listing price and the price reduction youāre considering. We can show you how that same amount could potentially be structured as a financing incentive instead.
Sometimes getting the house sold isnāt about lowering the priceāitās about using the sellerās dollars more strategically.
Programs, rates, seller-contribution limits and savings vary based on loan type, borrower qualifications and transaction details.
