Yes, Rates Are High — But Our Clients Are Still Finding Smart Ways to Save

It’s no secret that mortgage rates have climbed higher than what we’ve seen in recent years. For many buyers, this can feel like a hurdle — a reason to pause or rethink plans. But here’s the truth: even in today’s market, with rates elevated, our clients are still finding ways to save money and secure great deals. How? It all comes down to strategy, creativity, and a proactive approach. Let’s break down how we’re helping buyers navigate this market successfully.

1. Leveraging a Strong Network Means Better Deals and Less Competition

One of the biggest advantages we bring to the table is our strong network of industry insiders, agents, and motivated sellers. This network gives us early access to listings before they hit the broader market and sometimes even exclusive deals that fly under the radar. By tapping into these connections, our clients face less competition and can negotiate from a position of strength.

2. Thinking Outside the Box: House Hacking and Detached Units for Extra Income

We’re encouraging buyers to consider non-traditional options that not only provide a place to live but also generate income. Properties with detached units or multi-family potential allow owners to “house hack” — living in one part of the home while renting out the other. This rental income can help offset mortgage payments and ease the impact of higher interest rates, making homeownership more affordable in the long run.

3. Non-Traditional Strategies Are the New Norm

The traditional single-family home purchase is no longer the only path forward. We’re exploring everything from fixer-uppers to properties that have lingered on the market longer than usual. These homes often come with sellers who are more motivated to negotiate, meaning there’s potential for better pricing, credits, or concessions.

4. Targeting Motivated Sellers

When rates are high, some sellers are eager to close quickly and may be willing to work harder on terms. We actively identify and target these motivated sellers to find opportunities where our clients can save money or secure favorable contract terms.

5. Finding Savings Wherever Possible: Rate Buy-Downs, Repair Credits, and Closing Costs

Every dollar saved counts. That’s why we’re relentless about negotiating not just on price but on every potential savings point — from seller-paid rate buy-downs to repair credits and closing costs coverage. These concessions can add up to significant savings and help reduce the upfront financial burden.

6. Negotiating Hard on Behalf of Our Clients

We’re fierce negotiators. With the right strategy, we push for terms that benefit our buyers, whether that’s price reductions, favorable contingencies, or additional credits. We don’t just accept the first offer — we fight for the best deal possible.

7. Discovering Off-Market and Pre-Market Opportunities

Lastly, we know that the best deals aren’t always the ones publicly listed. By working closely with sellers, agents, and our network, we uncover off-market and pre-market properties that provide a valuable advantage. These hidden gems often come with less competition and more room for negotiation.

Bottom line? Yes, mortgage rates are higher, but homebuyers who get creative, stay flexible, and work with an experienced team are still winning in this market. If you’re thinking about buying — or just want to understand your options — reach out. We’re here to help you navigate every step and find savings wherever we can.