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When negotiating your home purchase, the biggest mistake isn’t asking for too much — it’s not knowing what to ask for beyond simple repairs. Most buyers focus only on inspection fixes. But smart real estate negotiation goes deeper than that. In this video, I break down how to approach real estate negotiation strategically, including: • What is a seller concession? • How a seller credit to buyer at closing works • Negotiating closing costs with seller • Using concessions to lower your monthly payment • Repairs vs credits — what’s smarter? • Permanent vs temporary rate buydowns (like a 2-1 buydown) If you’re buying a home, understanding seller concessions and how to structure them can impact: ✅ Your monthly payment ✅ Your cash to close ✅ Your long-term financial comfort Many buyers don’t realize they can negotiate closing costs with the seller, request credits instead of repairs, or even structure a 2-1 buydown to temporarily reduce their interest rate in the first two years. This isn’t about negotiating harder. It’s about negotiating smarter. Because you don’t live in the interest rate — you live in the payment. If you’re preparing to buy and want to understand your options before writing an offer, this video will give you clarity and strategy so you can maximize your leverage. 📩 If you’d like to run through scenarios before negotiating your offer, feel free to reach out. 🕒 Optimized Chapters (SEO + Retention Focused) 00:00 – The Biggest Negotiation Mistake Buyers Make 00:40 – Why Repairs Aren’t the Only Strategy 01:37 – What Is a Seller Concession? 02:01 – Seller Credit to Buyer at Closing Explained 02:42 – Permanent Rate Buydown vs 2-1 Buydown 02:58 – How a 2-1 Buydown Lowers Your Payment Early 04:00 – Smart Buyers Negotiate Structure ___________________________________________________________________________________________________ 📌 Let’s Work Together 🏡 Real Estate Services (South Florida & beyond): http://bit.ly/3Hugori 💰 Mortgage Application: http://bit.ly/4oxGudI 📩 Free Consultation: https://bit.ly/4ldZBI9 📚 Free Resources & Insights 📈 Free Home Valuation: http://bit.ly/45MIc3u 📝 Blog: https://bit.ly/45vjFOW 🌐 Website: YourmoveFL.com 📲 Let’s Connect Instagram: https://bit.ly/4ryUWTg LinkedIn: / franciscocabrerarealtor TikTok: https://www.tiktok.com/@franciscos.ke... Facebook: / franciscocabrerarealtor ✨ Subscribe & Join the Journey