Homebuyers: Stop Guessing, Start SAVING! Unlock the Secret to Lower Payments Homes sitting on the market? That's your golden opportunity. Forget the usual lowball. Here's how to play the long game and win BIG. The Winning Strategy: • Offer Full Price? Absolutely! Yes, offer the full $400,000. • The Key Phrase: "Seller Concessions." This is where you get money back to buy down your mortgage rate. Let's Crunch the Numbers: Picture your $400,000 dream home. • The "Standard" (and Costly) Move: Offer $385,000. • The Smart Play: Offer $400,000, requesting $12,000 in seller concessions.