Sample Listing – Template #1
What If Everyone Was Negotiating The Wrong Thing?
Watch this before you write an offer.
What If the Seller’s Discount Could Work Harder for You?
A lower purchase price sounds like the obvious win.
But using the same seller contribution toward a permanent rate buydown can create substantially more monthly savings.
See the difference, run your own numbers, and then explore what this home offers.
The Difference Is Often Bigger Than Buyers Expect
The Difference Is Often Bigger Than Buyers Expect
See What the Seller’s Discount Can Do for Your Payment
Enter the home’s price and your down payment. Then compare how different affordability strategies change your estimated monthly payment, cash needed to close, and overall financial outcome.
Pro Tip: Click the bottom-right corner to open the calculator full screen.
Let's start with the listing price and how much you're putting down.
Next, here are some payment and savings estimations based on the change in rate.
There is a cost to change the rate from % to % and it can be offset by a seller credit.
With a rate of %, the estimated monthly payment is , a savings of $ a month. If your rate was %, with a payment of , that's like buying a house for . The change in rate has increased your buying power by to .
Here are some example options for a purchase with a list price, % down, and a rate reduction from % to %.
Apply the savings wherever life needs it.
That's more home for the same monthly payment.
Figures shown are estimates for illustration and do not include taxes, insurance, or fees. Actual rates, payments, and costs vary by lender.
Now Compare the Actual Side-by-Side Numbers
In this illustration, both buyers receive the same $12,000 seller contribution.
One applies it to a purchase-price reduction. The other uses it toward a permanent rate buydown and closing costs.
The difference is not how much the seller gives. It is how the buyer uses it.
Sometimes The Numbers Tell A Very Different Story Than Most Buyers Expect
Sometimes The Numbers Tell A Very Different Story Than Most Buyers Expect
Make Your Offer Based on More Than the Price
Before you make an offer, let’s compare the purchase price, seller contribution, estimated payment, cash needed to close, and available affordability strategies.
No obligation and no generic sales presentation.
You will receive a personalized comparison built around this property, your monthly payment goal, your available cash, and your financing options.
Follow the numbers. Then decide how you want to negotiate.
Let's Start Building Your Home Buying Strategy
A 15-minute strategy session today could save you thousands over the life of your mortgage.
Best regards,
Michael Thayer, CMPS, CMA
NMLS #173264
Planet Home Lending, NMLS #17022
295 Woodburn Place
Burns, TN 37029
$389,900
For Sale
Video Transcript
+ −00:00
Have you ever noticed that almost every buyer asks the exact same question?
00:06
Can I get the seller?
00:07
To lower their purchase price, right?
00:09
It sounds like the right question, right?
00:12
But what if it isn't, right?
00:14
What if your strategy To create the lowest purchase price does not create.
00:20
The best financial outcome for you, right?
00:23
Sounds backwards, right?
00:25
But that's exactly why I want to show you the numbers instead of simply giving you my opinion.
00:31
As you scroll through this page, you'll compare different affordability strategies on the exact same property, and see how each approach can impact your monthly payment.
00:41
Cash needed to close. Overall buying power. And then…
00:45
You'll have the opportunity to use the calculator below.
00:48
To build your own scenario, and compare the numbers for yourself.
00:52
And before you leave this page, be sure to click on the report titled, See What Most Buyers Miss. It answers a question that almost no buyer asks.
01:02
What could this house be worth five years from now? You know what I mean?
01:06
Buying a home isn't just about today's monthly payment.
01:09
It's about tomorrow's opportunity, right?
01:12
The goal… Isn't it simpler to negotiate the lowest purchase price?
01:16
The goal should be to make the best financial decision for your situation.
01:22
So take a few minutes, compare the numbers, try to calculate, see what most buyers miss.
01:28
Then decide, okay.
01:30
Which strategy makes the most sense for you?
01:32
Let's follow the numbers, not our emotions. Let's see what the numbers tell us.
The Difference Is Often Bigger Than Buyers Expect Image Overview
+ −Mortgage affordability comparison infographic showing the difference between a traditional price-reduction strategy and an affordability-focused home financing strategy for homebuyers. The graphic shows how a lower purchase price may only slightly reduce monthly payments, while alternative affordability strategies can lower monthly mortgage payments, reduce cash needed to close, increase financial flexibility, and improve overall buying power. Side-by-side visual comparison highlights buyer payment psychology, affordability planning, mortgage payment optimization, seller concession strategies, and home financing education. Educational mortgage graphic designed to help homebuyers better understand the relationship between purchase price, monthly payment, affordability, interest rate buydowns, cash-to-close requirements, and long-term financial outcomes. This modern mortgage strategy and homebuyer education infographic helps buyers in Nashville, Tennessee, and across the United States make informed home financing decisions, evaluate affordability options, improve purchasing power, and focus on the financial factors that affect their monthly budget and homeownership goals.
Sometimes The Numbers Tell A Very Different Story Than Most Buyers Expect Image Overview
+ −This side-by-side mortgage affordability comparison helps homebuyers understand why the lowest purchase price isn't always the best financial decision. The graphic compares multiple home financing strategies for the same property to show how seller concessions, permanent mortgage rate buydowns, closing cost assistance, and different loan structures can affect monthly payments, cash needed to close, long-term savings, buying power, and overall financial outcomes.
Rather than focusing only on negotiating the lowest purchase price, this comparison demonstrates how a personalized mortgage strategy may reduce monthly payments, preserve cash at closing, and improve long-term financial flexibility. Buyers can compare different affordability options to better understand the relationship between purchase price, interest rate, APR, loan amount, payment structure, and total cost over the life of the loan.
This educational mortgage comparison is designed to help first-time home buyers, move-up buyers, relocation buyers, and homebuyers throughout Nashville, Middle Tennessee, and across the United States make more informed home-buying decisions before submitting an offer. It reinforces the importance of comparing overall affordability instead of focusing solely on the purchase price.
Topics represented in this image include mortgage affordability strategies, permanent interest rate buydowns, seller-paid closing costs, monthly mortgage payment comparisons, cash-to-close strategies, home financing options, mortgage payment planning, buying power, long-term wealth building through homeownership, and personalized mortgage planning.
Compare. Save. Strategize. Because the smartest home-buying decision isn't always the one with the lowest purchase price; it is the one that best supports your financial goals, monthly budget, and long-term wealth-building strategy.
The Forever Home They Never Planned to Leave
Experience elevated one-level living in the highly desirable Wyburn Downs community, where thoughtful design, quality craftsmanship, and modern upgrades come together in this beautifully renovated home.
Originally built in 2010, this residence has been extensively enhanced with high-end finishes and intentional details that make it truly stand out from the rest.
From the moment you step inside, vaulted ceilings and an open-concept layout create a bright, airy atmosphere, while luxury vinyl plank flooring flows seamlessly throughout the home for a clean, sophisticated look.
At the heart of the home is a stunning, designer-inspired kitchen featuring:
- Custom cabinetry by Spencer Mill Wood Works
- Elegant tile backsplash
- Striking shiplap accent wall
- Beautifully curated finishes that blend warmth and style
The spacious primary suite offers a true retreat, complete with a spa-like, tiled walk-in shower designed for comfort and relaxation. Both bathrooms have been upgraded with stylish tile flooring, creating a cohesive, upscale feel throughout.
Step outside and enjoy year-round living on the screened-in covered patio overlooking the generously sized backyard. Expanded fencing and added vinyl privacy panels create a peaceful, private outdoor space ideal for relaxing, entertaining, or enjoying quiet evenings at home.
Additional upgrades and features include:
- New roof (2025)
- Comprehensive plumbing upgrade
- Hurricane shutters for added peace of mind and security
- Meticulously maintained systems and finishes throughout
Originally renovated as the sellers’ forever home, every improvement reflects pride of ownership and long-term quality, not quick cosmetic updates.
Now, due to a change in circumstances, a rare opportunity exists to own a truly turnkey, one-of-a-kind home in one of the area’s most sought-after communities.
Step Inside - Interior Photos
Step Inside - Interior Photos
Explore the Property - Exterior Photos
Explore the Property - Exterior Photos
