$50,000 Off the Price Could Save You $300 a Month — My Clients Saved $1,500 Instead

by Vanessa H. Bradford

Written by Vanessa Bradford | REALTOR® | Hill Country Queen | 19 Years Texas Hill Country Experience | 210-707-9029 | vanessa@vhbhomes.com

$50,000 off the price could save you $300 a month. My clients saved $1,500 instead.

Watch the full breakdown with my favorite lender Will here:

An $800,000 home sitting 90 days. Most agents offer $750,000 flat. A $50,000 price reduction only drops your payment about $300. For every $1,000 negotiated off price your payment only moves about $7.

Here is what I did instead. I offered $780,000 and asked for $20,000 toward closing costs and a rate buydown. Their payment dropped $1,500 a month or more.

When you interview an agent ask — can you structure a rate buydown? Their answer tells you everything.

210-707-9029 | vanessa@vhbhomes.com | https://www.google.com/url?q=http://vhbhomes.com&source=gmail&ust=1782068401807000&sa=E

FAQ

Is a rate buydown better than a price reduction? In most cases yes — a buydown attacks interest cost directly, producing several times larger monthly savings.

How much does a rate buydown actually save monthly? $1,000 to $1,500 or more compared to an equivalent price reduction.

What should I ask my realtor about negotiation strategy? Whether they know how to structure a rate buydown and will run the actual monthly payment math before you submit an offer.

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Vanessa Bradford is a REALTOR® with Real Broker LLC specializing in luxury homes, acreage, and new construction in New Braunfels and the Texas Hill Country. License 811394. Equal Housing Opportunity.