The December Seller Credit Window: Why This Month Creates the Best Payment Opportunities.

Seller credits rise dramatically in December.This creates huge affordability advantages for buyers looking to lower their payment.

1. Motivated Sellers = More Flexibility

By December, sellers want the year wrapped up → more concessions.

2. Low Buyer Traffic = Leverage

Less competition → stronger negotiation.

3. Ideal for Buydowns

2/1 and permanent buydowns become extremely affordable when sellers participate.

4. This Window Is Short

Dec 1–20 is the sweet spot.