I would not buy a house in 2026 or 2027 without doing these three things.
If you want to protect your finances and get the best possible deal in today’s market, you need to use these negotiation strategies:
1. Ask for a rate buydown: Have the seller pay for either a permanent or a temporary rate buydown to artificially lower your interest rate and monthly payment.
2. Get upfront mortgage insurance paid: If you do not have a full 20% down payment and want to avoid paying monthly mortgage insurance (PMI), ask the seller to pay it upfront for you. This will keep your monthly mortgage bill significantly lower.
3. Ask the seller to pay your closing costs: This is the strategy I recommend the most. Having the seller cover your fees keeps your cash in your pocket, which benefits you in both the short and long run as market rates shift.
Tell me in the comments: which of these three strategies would you choose?
If you need a pre-approval or expert mortgage advice, reach out directly and my team will be glad to help.
Marat Tsirelson
The Lending Group Co.
Phone: (267) 400-0763
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