Suppose a home seller is willing to give you a $10,000 concession.

Would you rather have:

• $10,000 deducted from the purchase price?
• $10,000 paid toward your closing costs?
• $10,000 used to reduce your mortgage payment?

Most buyers instinctively choose the price reduction. Paying …

Thinking about waiting until a seller reduces the price before making a lower offer?

That may be exactly backward.

A seller whose home has been listed for 30 to 60 days without a price reduction may already be wondering whether the price needs to change. A credible …

By Joe Hafner
Principal Broker of Hafner Real Estate and REMLO with Texana Bank Mortgage
Updated August 11, 2026

If you can comfortably afford the payment, find a home that works for you and expect to remain there for at least five to seven years, buying now may make …