04/10/2026
A lower price and a seller credit do not affect your payment the same way.
Sometimes a seller credit can create more monthly savings than a price reduction.
Why?
Because credits can sometimes help lower upfront financing costs or reduce rate impact depending on loan structure.
That’s why negotiation is not only about price - it’s about where the money helps most.
The best option depends on loan type, lender terms, and
long-term plan.
Comment RATE if you didn’t know this before….. DM if you want access to my lending partners