A reliable close can matter
A shorter realistic timeline may reduce the seller's carrying costs, but only promise a date the lender, title company, appraisal, and transaction can support.
Buying a Home
Use timing and credits in the offer strategy
Price is only one part of an offer. Closing date, financing strength, contingencies, seller credits, and the seller's goals can all shape value.
Ask for useful credits
When the home and market support it, a seller credit may help with eligible costs, prepaids, points, or a temporary buydown.
Price and appraisal still matter
Increasing price to create a credit must fit the appraisal, program limits, and contract strategy.
Coordinate the offer
Have the Realtor and lender evaluate the property, estimated costs, concession limits, and timeline before writing the contract.
Written by Marta Lillard
25+ years of mortgage experience, explained in plain English.
Mortgage Broker · First Coast Mortgage Funding · NMLS #879436 · Licensed in Florida and Georgia
Questions about your options?