If you're buying a home in 2026, these are the 3 moves that actually protect your monthly cash flow:
1. Permanent Rate Buydown: Temporary buydowns reset after the initial period. A permanent buydown locks in lower borrowing costs for the life of the loan.
2. Negotiate Seller Concessions: With inventory sitting longer in many markets, sellers are often more willing to contribute toward permanent rate buydowns than take massive price cuts, saving you more on your monthly payment.
3. Upfront Pre-Underwriting: Go beyond a two-minute soft pull. Having an underwriter review your documentation before writing offers eliminates surprises and lets you close faster.
Kevin Brierton | Branch Manager, SVP | NMLS #599873
Luminate Bank | NMLS #1281698 | Equal Housing Lender | Member FDIC
Does business in 50 states and D.C.
www.KevinBrierton.com | 480-553-8770 | Kevin@KevinBrierton.com
