Why the Shift? Three data points that matter

What this means for you — More choice + slower sales = sellers willing to pay your costs or trim the price to get a deal done.

Three Fast Moves to Lock In Savings

1. Ask for a Permanent Rate Buy‑Down

Typical value: 0.50–0.75 pts paid by the seller (~$8 K on a $400 K home).

Impact: Saves $150–$250/mo for the life of the loan.

Internal link: Rent‑vs‑Buy Calculator – test payment with and without the buydown.

2. Trade Price Cuts for Closing‑Cost Credits

Why: Credits reduce cash due at closing—invaluable for first‑time buyers layering NC 1st Home Advantage or House Charlotte grants.

Ask: 2–3 % of price (typical acceptance in 2025).

3. Leverage Inspection Findings

Bring contractor quotes on big items (roof, HVAC) and negotiate either repairs or a dollar‑for‑dollar credit.

Internal link: 7 Inspection Red Flags in NC to know what’s worth pushing on.

What this means for you — Stack all three and you can shave $20K+ off up‑front costs and keep monthly payments renter‑level.

Script It: Offer Template That Wins in 2025

Purchase price: 97 % of list

Seller credit: 3 % toward buyer closing + permanent rate buydown

Due‑diligence fee: $1,000 (shows commitment)

Closing timeline: Flexible 30–45 days

Home warranty: Seller‑paid; cap $700

Cut‑and‑paste, tweak numbers, and you’re 90 % ready for most listings sitting >30 days.

FAQs

Will asking for credits hurt my odds in multiple offers?

Not this year. Only 14 % of Charlotte listings hit multiple‑offer status in Q2—a multi‑year low.

What if rates fall after I buy?

Refi. A 1‑pt drop on a $350 K loan saves ~$220/mo.

Can I stack concessions with down‑payment grants?

Yes, credits reduce cash needed; grants handle down payment.