You’re about to buy a home and you’re thinking:
“Should I offer $390K instead of $400K just to save a little?”

But what if you flipped the strategy?
What if you offered full price, but asked for something even smarter?

Instead of offering $390K, offer $400K — but ask the seller for a $10K concession to help you buy down your rate.

Here’s how it plays out:
✔️ 2.5 points = $10K
✔️ Interest rate drops from 7% ➝ 6.38%
✔️ Monthly payment goes from $2,661 ➝ $2,497
That’s $164/month back in your pocket!

When you buy mortgage points:
✔️ 1 point = 1% of your loan
✔️ Each point drops your interest rate ~0.25%

So instead of trying to shave off a few thousand on the offer price…
You’re building long-term savings into your loan.

Thinking of buying soon?
Run the numbers for your own situation using a mortgage points calculator — or better yet, let’s talk.