Mortgage Myth #10: It’s a seller's market — so I’m going to wait.
Michael Creed • September 15, 2025
We’re Not in a Full Buyer’s Market — But Here’s How Smart Buyers Are Winning Anyway
If you’re waiting for the market to crash before you buy… you’re probably going to miss it.
No, this isn’t a full buyer’s market yet.
But smart buyers are still winning — because they’re acting like we’re already there.
In this Savvy Buyer Guide, I’ll show you how to play offense while others hesitate.
Let’s break it down.
Psychology First: Why “Waiting for the Bottom” Fails
- Market shifts are visible in hindsight — not real-time
- Interest rates are cyclical — timing the bottom is nearly impossible
- Hesitation often costs more than action (through appreciation and lost equity)
- Winners play the long game and move when the opportunity is asymmetric
Now: Strategic Buyer Tactics that Work in This Market
- Rate Buydowns: Sellers and builders are increasingly willing to offer 2-1 or permanent rate buydowns. A strong lender can help structure these without increasing closing cost risk.
- Watch Days on Market (DOM): The longer a property sits, the more leverage a buyer has. A 40+ DOM listing may be overpriced — or just missed by others. Make a clean, fair offer with a fast close.
- Be Preapproved, Not Prequalified: Savvy buyers walk in with full credit + income reviewed by underwriting. It builds instant trust with listing agents and gives you more leverage on terms.
- Explore Renovation or Build Options: Instead of waiting for your “perfect” house to hit the market, build it — or customize a fixer-upper with financing to match.
- Don’t Skip Your Inspection: In hot markets, buyers waived inspections. That’s fading. Now’s your chance to protect your investment and renegotiate real repairs without spooking sellers.
Want to position yourself (or your buyers) to win in this market?
→ Contact Me to get a conversation
→ Was this blog so convincing that you're ready to jump in 😀 -
get started here.
→ Or just share this article with the next person you know who says, “I’m going to wait…”
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