Think you can’t afford to buy a home because of today’s interest rates? This hack might change your mind.
Right now, we’re in a unique window where sellers—especially those who’ve been sitting on the market longer than expected—are motivated. That means they’re giving thousands in credits and concessions just to get deals done. And one of the ways that smart buyers are using those credits, is to buy down their rate—which can save them hundreds of dollars every single month on their mortgage.
Here’s how it works: instead of using seller credits for closing costs or price reductions, those funds can go directly toward lowering your interest rate. That means more affordability, lower monthly payments, and in many cases, a better overall deal than waiting around for rates to drop.
And remember, you marry the house, but you date the rate. You can always refinance later—but the deal you negotiate today, including seller incentives and rate buydowns, might not be available once the market shifts or competition picks back up.
So instead of waiting and hoping, take advantage of the leverage buyers have right now. Want a customized list of homes that fit your parameters? Comment “BUYDOWN” or message me directly, and I’ll get it right to you. It could put you in a home sooner than you think!
I’m Tanja Odzak, Realtor with eXp Realty. I help people sell and buy homes right here in the East Bay! With over $90 Million in homes sold and going on 10 years of experience, I know how to help you win in any market. I’m Tanja and I sell homes. Call me today and let’s get you going!
I’m a Top Producing Realtor® in the OAKLAND / BERKELEY / EAST BAY AREA. I’ve been in the San Francisco East Bay Area since I came up to do my undergrad at UC Berkeley (a long time ago!), with a short stint at UC Davis while getting my Master’s. I take my duties as a Realtor® and Fiduciary very seriously, I enjoy educating my sellers and buyers along the way. Putting People, Before Profit.
Why not check out one of my no-obligation, online, On-Demand, virtual Real Estate Seminars?
Click here—> I WANT TO GAIN ACCESS TO THE *HOME BUYER* SEMINAR NOW
Click here—> I WANT TO GAIN ACCESS TO THE *HOME SELLER* SEMINAR NOW