Should I price my home higher because it has a 2.5% rate?

Описание: Yes, you can get a premium for your rate. But not the way most people think, and doing it the wrong way is exactly how your house ends up sitting. Ryan breaks down why every extra dollar you tack onto the list price of an assumable does not show up in a buyer's monthly payment. It shows up as cash at the closing table. The loan balance does not move, the bank is not lending more, and the equity gap is the gap. He runs the numbers on a $400,000 loan at 2.5% where the buyer saves $948 a month and $307,000 over the life of the loan, then explains why asking that buyer to pay a $25,000 premium in cash today is asking them to pay for a slow benefit with fast money. The actual move is what Colin and Beth did: price to create competition, let the offers stack up, and let the swarm set your number. He also shares a deal where a home listed at $519,000 on purpose, under the comps, bumped to $540,000 once the traffic showed up, and sold at $542,000 in 14 days with concessions on top. Buyers get a note too: do not automatically walk away from an assumable priced above comps. Run the math first. Hit up assumableguy.com or DM @the.assumable.guy on Instagram.