What’s better than a low rate?
A smart credit that helps you create one—while keeping more of your cash available.
When buyers have negotiating power, a seller credit may be used to:
- Buy down the interest rate
- Offset eligible closing costs
- Preserve cash for repairs, updates, or reserves
The interest rate matters—but it’s only one part of the opportunity. Purchase price, monthly payment, cash needed at closing, and long-term equity all deserve a seat at the table.
Don’t get so focused on the advertised rate that you miss the bigger picture. The right offer structure could help you buy at a better price, lower your upfront costs, and start building equity sooner.
Let’s look at the whole deal—not just one number.
Credits and rate buydowns are subject to loan-program limits and lender approval. Talk with your lender about what may work for your situation.
Doug and Nicole Zeller
Broker and operations partner at the family brokerage. Doug has 35 years in the Sierra foothills, Nicole keeps every transaction on schedule, and together they tell you what you should hear. DRE #01128501 and #01423957.
