Most buyers think seller credits all do the same thing. They don’t, and how you use them changes how this purchase feels. Example: Home price: $500,000 Seller credit: $10,000 Rate: ~6% Option 1: $10k off the price New price: $490,000 What this does: • Your loan amount drops by $10,000 • ~$60/month lower payment • ~$11k–$12k less interest over 30 years The catch: • You still need to bring your own cash for closing costs Best if: → You already have money saved → You want the lowest long-term payme
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APR vs. interest rate. Points vs. credits. PMI, escrow, loan estimate—mortgage terms shouldn’t feel like a foreign language. We translate every line item into plain English, show how each choice affects your payment and cash due, and give you a clean comparison so you can decide with confidence. Clarity first, then the numbers. www.adamkarcz.com/adam-karcz Personal: NMLS917109 Company: NMLS2560979 #MammothMortgage #MortgageEducation #ClarityFirst #HomeLoanOptions #MoneySmart #FirstTimeBuyer | Ma
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