10/09/2026
The market’s tough right now, rates are up, costs are up, and the headlines aren’t helping. But here’s the thing: people still need to buy and sell. So if you’re buying this October, here’s how to win. 🏡
1. Ask for seller-paid closing costs. In this market, don’t be shy. Ask for 1 to 3% of the sales price, or at least $10,000, to buy your rate down or lighten the cash needed to close. That can make a real difference in your monthly payment.
2. Talk to three lenders. A big bank, a small bank, AND a credit union. Each has different programs, rates, and specialties, and the only way to find the best fit is to compare.
3. Target homes that have been sitting. Anything on the market more than 30 days is due for a price correction, often around 5%. Don’t assume the list price is the real price.
4. Target new construction. Builders can offer incentives the average seller can’t, like paid closing costs, rate buy-downs and more.
5. Choose the right agent who can structure these deals. Not your friend who just got their license, and not the rep in the showroom. A veteran who knows how to get it done from contract to closing.
Bonus tip (for sellers and their agents): make reverse offers to interested buyers. If someone’s shown interest, go to them, bring them back to the table. You’d be surprised how few agents actually do this.
The market rewards the prepared. If you’re thinking about making a move this fall, let’s build the smartest strategy for right now. Reach out anytime.