Aaron Livengood- Mortgage Loan Officer

🔑 The Strategy Smart Buyers and Agents Use to Save More and Win Offers….

Let’s be honest — every buyer is chasing a deal.
You find a house you love, you are ready to submit an offer, and your first thought is usually- “Let’s offer below asking price and see where they counter at.”🗯️

Most buyers — and even many agents — consider it a “good deal” if you can get the home for less than the seller was asking.

And sure, paying less is better than paying more.
But how many times has that strategy backfired?
How many offers have you lost trying to chase a lower price? And when you finally do “win,” did you really get the best deal?

🗣️ The truth is:
In today’s market, the best deals aren’t always found by chasing the lowest price, and that old way of thinking could be the reason your offers keep falling short.

🤫 Here’s the secret:
The smartest buyers and agents aren’t just negotiating price, they’re structuring their offers in a way that saves them more money every month but also makes their offer more attractive to the seller.

Let’s look at what that really means 👇

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🏠 Scenario 1 —
Home Asking Price: $400,000
Down Payment: 5% → Loan ≈ $380,000
Rate: 6.25% → Payment ≈ $2,340/month

After getting $10k reduction in price
Loan amount ≈ $370,500
💳 Payment ≈ $2,281/month
📉 You save about $59/month
💼 Seller gives up $10,000

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💰 Scenario 2 — $5,000 Seller Credit Toward a Rate Buydown
$5,000 = ~1.3 points → drops rate ≈ 0.375% (6.25% → 5.875%)

💳 Payment ≈ $2,248/month
📉 You save about $92/month
💼 Seller only gives $5,000

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🧠 Why This Works

✅ You get a bigger savings every month- meaning lower payment
✅ The seller nets more money, making your offer stronger and more appealing

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💬 The Bottom Line:
A smaller seller credit can often make a bigger impact on your monthly payment than a larger price cut.

It’s not about negotiating harder — it’s about negotiating smarter. The right structure and strategy can save you more each month and help you win the home you love.

Smart buyers and smart agents use strategy, not luck, to win in this market. They don’t wait on deals-they create them 🏡💡💪

Let’s talk 📩

🎉 Congratulations Wendy & Tim! 🎉

It was such a pleasure working with you! Thank you for trusting me and allowing me to be part of your homebuying journey. Wishing you endless happiness, memories, and new beginnings in your beautiful new home! 🏡✨

Huge shoutout Josh Kohl, The Back Group for the partnership on this one! Awesome job and couldn’t have done it without you!

Huge congratulations to Wendy and Tim on the purchase of their first home! 🏠✨ It was an absolute pleasure helping you through this journey. Wishing you both all the best as you start this exciting new chapter!