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Navigating the competitive housing market requires strategic mortgage preparation and understanding winning tactics to secure your dream home.
• Going through underwriting before making offers gives you a crucial competitive advantage
• Waiving mortgage contingency is often necessary to compete with cash offers
• Strong buyer consultations upfront prepare clients for the competitive market reality
• Showing higher down payments on offers (even if you later reduce it) strengthens your position
• Local lenders who call listing agents personally give buyers a significant edge over big banks
• Multiple offer situations require speed and decisiveness, not waiting for open houses
• Property values in the Midwest are rising four times the national average
• Waiting for interest rates to drop is often a losing strategy as home prices continue to rise
• Time-limited offers can help avoid bidding wars by forcing sellers to decide before open houses
• Having well-defined non-negotiables helps agents and lenders maintain their reputation