video1.0<iframe src="https://www.loom.com/embed/9c0a2849b311463b9a7b63838929866b" frameborder="0" width="1920" height="1440" webkitallowfullscreen mozallowfullscreen allowfullscreen></iframe>14401920Loomhttps://www.loom.com14401920https://cdn.loom.com/sessions/thumbnails/9c0a2849b311463b9a7b63838929866b-6571275222432441.gif243.051This Loom explains how buyers can use the seller’s money to improve affordability when interest rates are over 7%. The speaker argues that a lower home price may not save buyers if they are financing, and gives an example where a $1,350,000 price reduction of $50,000 is less beneficial than offering the original price with a $50,000 seller credit. They say the credit can cover closing costs, a permanent interest rate buy-down, and a temporary buy-down, reducing the rate example from about 7.5% to 6.875% and then to 4.875% for the first year, saving $1,629 per month initially and $931 in year two. They also discuss expectations that rates may gradually decline after the inflationary impact of conflict with Iran and note that October 2025 rates were about 1.5% lower than today.