Patel Home Finance

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Patel Home Finance Your Mortgage Loan Officer with Edge Home Finance. NMLS 1985888

09/28/2026

Applying a $13,500 seller concession directly to the purchase price may only lower the monthly payment by about $84 in this example. That’s why it’s worth comparing other ways to use the credit before deciding where the money should go.

09/25/2026

Recent real estate data shows that more than 46% of home sales included seller concessions. That means nearly one out of every two sellers was willing to help cover buyer expenses just to get the deal closed.

09/23/2026

Nearly half of home sellers are offering cash back right now but that leverage could disappear once rates fall and more buyers return. Here’s why seller concessions may be one of the most overlooked opportunities in today’s market.

09/21/2026

If a seller gives you a $13,500 concession, where you put that money matters. Many buyers automatically apply it toward the purchase price but that may not be the smartest way to structure the deal.

09/18/2026

Putting more down can change more than just your loan balance. In this example, moving from 5% to 10% down increases the seller concession limit from $13,500 to nearly $27,000 giving you more room for closing costs or a rate buydown.

09/16/2026

The Fed gets most of the headlines, but it isn’t the number you should be watching to understand where mortgage rates may be headed. Here’s why the 10-year Treasury yield matters more than most buyers realize.

09/14/2026

A seller concession can sometimes do more for your monthly payment than simply negotiating a lower purchase price. Here’s how using that credit toward a rate buydown could save hundreds per month

09/11/2026

Mortgage rates just hit their highest point of the year, yet many buyers are still waiting on the sidelines. Here’s why the latest data may be signaling that waiting isn’t the smartest move and what you should be paying attention to instead.

09/09/2026

There’s a number in today’s housing market that most buyers overlook and it may disappear once interest rates come down. In this video, I break down what to watch and how a $13,500 seller credit can change your options.

09/07/2026

The Biggest Sign You Found the Wrong Loan Officer

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Piscataway, NJ

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Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 5pm

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+17322002845

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