In 2026, our local market is giving buyers more choices and opportunities. With increased inventory, buyers have more homes to consider and, in some cases, more flexibility when negotiating with sellers. One of the biggest questions I hear is, “With today’s interest rates, can I still qualify for the home I want?”
The answer may be more encouraging than you think. Today’s market offers several ways buyers and sellers can work together to make a purchase more affordable.
One option is a seller paid interest rate buydown. A seller may agree to contribute toward lowering the buyer’s interest rate, potentially reducing the monthly payment and making the home more affordable.
Another possibility is a seller concession. Depending on the loan program and the buyer’s qualifications, a seller may contribute toward allowable closing costs, loan fees, or other expenses. This can reduce the amount of cash a buyer needs to bring to closing.
Sometimes, a price adjustment may be the best solution. A strategic price reduction can improve the overall affordability of a home and, depending on the buyer’s financial situation, may help make the purchase more attainable.
The important thing to remember is that there may be more than one way to put the pieces together and make a transaction work for both the buyer and seller. Every buyer’s financial situation is different, and every seller has different goals. You never know, possibly a seller is willing to do “seller financing”.
This is where having an experienced Realtor working closely with your lender can make a real difference. My job is to help buyers explore options, negotiate thoughtfully, and work hard to get the deal done so everyone feels good about the outcome.
I also have several excellent local lenders I’m happy to recommend who can help you explore the financing options that may work best for your situation.
You may have more options than you realize! I’m here to help you understand what’s available and find the path that works best for you.
Full Circle – Mary Kale is part of the Chaffee County Times Community Connect sponsored content program.
