Seller Concessions Explained: How to Buy Down Your Interest Rate When Buying a Home скачать в хорошем качестве

Seller Concessions Explained: How to Buy Down Your Interest Rate When Buying a Home

Most buyers negotiate the price. But smart buyers use seller concessions to buy down their interest rate, and cut their monthly payment by $200–$300 without spending an extra dollar out of pocket. In this video, I walk through a real buyer example on a $350,000 home using FHA financing, showing you exactly how seller concessions work, what mortgage discount points are, how to drop your rate from 5.6% down to 4.1%, and why a rate buydown almost always beats a price discount for buyers who plan to stay in their home long-term. Understanding your mortgage options and how to split your concessions between a rate buydown and closing costs so you can dial in the deal that fits your exact situation is a crucial strategy in the home buying process. If you're thinking about buying a home in North Fort Worth, Haslet, Saginaw, Keller, or anywhere in the DFW area in the next year, this is the kind of math I walk every single buyer through in our first meeting. No pressure. Just your numbers, your goals, and a strategy built around your best interests. Ready to build your custom home buying plan? Book a free strategy session using the link below.Want to discuss YOUR situation? 🗓️ Book a Quick Intro Call Here: https://zpr.io/gqH2Cjyk4wxD OR Start Your Home Search → 🔎 https://zpr.io/5rJ4MvCkE4Yx Discount Points Explained: https://share.google/aimode/BxfApLGNj... --- 👀 🎥 Top Playlists 🎥👀 Monthly Market Updates → https://bit.ly/4kG1zAA My Property Tours → https://bit.ly/3XH44sB Real Estate Data Deep Dives → https://bit.ly/41Vq6KI --- 👍 Follow Me On Social Media 👋 Instagram →   / yourpropertygeek   Facebook → https://fb.com/yourpropertygeek LinkedIn →   / yourpropertygeek   My Website → http://www.yourpropertygeek.com/ Real Estate Blog → https://yourpropertygeek.com/blog --- 🔖 Video Chapters 🔖 00:00 How Seller Concessions Can Lower Your Monthly Mortgage Payment 00:45 Real Buyer Example: $350K Home With 5% Down FHA Loan 01:30 What Your Baseline Payment and Closing Costs Actually Look Like 02:15 Two Ways to Use Seller Money When Negotiating a Home Purchase 03:00 How Seller Concessions Reduce Your Out-of-Pocket Closing Costs 03:45 FHA Seller Concession Limit: How Much the Seller Can Pay for You 04:15 What Mortgage Discount Points Are and How They Lower Your Rate 04:50 How Six Discount Points Drop an FHA Rate From 5.6% to 4.1% 05:20 Rate Buydown vs Price Discount: Which Saves You More Long-Term 05:55 Breakeven Analysis: How Long Before the Rate Buydown Pays Off 06:25 Long-Term Savings: What a Rate Buydown Is Worth After 10 Years 06:55 How to Split Seller Concessions Between Rate Buydown and Closing Costs 07:30 How to Get a Custom Home Buying Strategy Built Around Your Numbers --- Contact Info: Kiel Lindsey REALTOR© - Your Property Geek Brokered by eXp Realty 📨 Email: kiel@yourpropertygeek.com 📲 Call/Text: (469) 586-6110 🌐 Website: http://www.yourpropertygeek.com/ Clickable Contact Info: https://linktr.ee/yourpropertygeek --- Real estate doesn’t have to feel like guesswork. I’m Your Property Geek, and I’m here to replace uncertainty with data, strategy, and confidence. You’ll find insights that help you buy smarter, sell stronger, and move confidently, backed by proof, not pressure. Serving North Fort Worth, Haslet, Saginaw, and Keller, I help homeowners, relocation buyers, and sellers navigate the local market with clarity and strategy, not stress. I’ve got you covered with real numbers, honest advice, and data-driven strategies that deliver results.