Why Waiting for Rates Might Cost You More

How My Buyers Are Saving Thousands in Today’s Market — Without Waiting for Rates to Drop

A lot of people are hitting pause on their home search right now. Rates aren’t where they hoped, headlines are confusing, and waiting feels “safer.”

But here’s the plot twist:
My buyers are getting better deals today than they would if they waited for rates to fall.

Not because they’re lucky — because we’re using the opportunities most people overlook.

Let’s break down the three strategies making the biggest impact:

1. We Find Leverage (Motivated Sellers Are Everywhere)

Homes that have been sitting a little longer than expected usually have one thing in common: owners who are ready to negotiate.

That gives my buyers room to:
• Get closing cost credits
• Secure repairs or credits
• Negotiate stronger terms
• Reduce their out-of-pocket costs

The longer a home sits, the more leverage you have — and right now, there are plenty of homes sitting.

2. We Look Beyond What’s Online

Some of the best opportunities never make it to Zillow.

I keep a running list of:
• Upcoming listings
• “Make me move” sellers
• Private/off-market opportunities
• Homes that agents are quietly preparing

These deals often have less competition and more flexibility, which means more savings for you.

3. We Use Creative Financing to Lower Payments Now

Here’s the part most people overlook:

You don’t need a perfect rate to get a better payment.

Buyers right now are getting:
• 2-1 buydowns that reduce the payment for the first two years
• Lender credits
• Builder incentives
• Seller credits to permanently reduce the rate

Instead of waiting around for rates to maybe drop someday, we structure deals that give you real savings today.

And Yes — I Handle All of This For You

Your job: tell me your goals.
My job: find the best strategy to make them happen.

You get clarity, options, and real savings — without spending your nights on Google.

If You’re Thinking About Buying Soon…

Let’s talk about what’s possible for you specifically.
Every situation is different, and the right plan matters.

Send me a message anytime — I’m here to be a resource, not pressure you into anything.

👋 I’m Amber Johnson (DRE#01925434)
Your local SLO County Realtor
Helping people find home on the Central Coast.