Getting the best deal on a home isn’t just about offering less money—it’s about presenting an offer that stands out and makes life easier for the seller 🏡
⬇️ Here are practical, proven strategies you can use to buy more house for less money this year
1. Free Occupancy Post Closing
One of the biggest pain points for sellers is the stress of moving. Offering the seller 30 days of free occupancy after closing gives them breathing room to find their next place.
2. Large Earnest Money Deposit
Money talks. By putting down a larger earnest money deposit, you show sellers that you’re serious and financially stable. This builds trust.
3. Shorten the Timelines
Speed can be attractive to a seller and can show confidence. Try tightening your offer with:
1️⃣ five-day inspection window. 2️⃣ A short offer expiration date. 3️⃣ A quicker closing period
The faster you move, the less stress for the seller.
4. Inspection for Informational Purposes Only
IF you’re comfortable with the property’s condition, you can offer to do the inspection for informational purposes only. This tells the seller you’re not planning to nickel-and-dime them over small repairs.
5. Strengthen Your Financing Position
Financing can make or break a deal. Make your offer bulletproof with these tactics:
Conventional financing (sellers trust this more than FHA/VA loans)
Larger down payment for extra security
Full underwriting approval from your lender before you make an offer
Two pre-approval letters from different banks
6. Ask the Right Question
A simple question can save you thousands 🙋♂️
“Besides price, what is the number one thing the seller is looking for in their offer?”
Sometimes it’s speed. Sometimes it’s leaving behind old furniture. Sometimes it’s a clean, easy closing. Knowing this may give you an edge over other buyers.
7. Schedule the Inspection Early
If possible, line up your inspector before the seller even accepts your offer. This shows you’re ready to move fast and removes uncertainty for the seller.
8. Let the Seller Leave What They Don’t Want
Don’t underestimate the power of convenience. Offering to let the seller leave behind unwanted items (furniture, appliances, or junk) can tip the scales in your favor.
9. Consider Becoming a Cash Buyer
Nothing beats cash. By tapping into investments or retirement accounts, you can make a cash offer even if you plan to refinance later. Cash offers close faster and often win over higher financed offers.
hint: In 2025, penalties have been eased for using 401k funds for home purchases, making this option more appealing than ever.
