Zeller Real Estate 

The short answer: for most sellers, a $10,000 seller credit and a $10,000 price reduction cost about the same at closing. But the credit (also called a closing cost credit or seller concession) often does more for the buyer's monthly payment, which makes it the better tool for keeping a deal togethe

By Doug Zeller | Zeller Real Estate Oct. 28, 2026 I’ve been through enough rate cycles to know how quickly rising-rate headlines can make buyers anxious. Here’s what I tell buyers: you may not control the market rate, but you can shop lenders and negotiate other parts of the offer. Rates rose throug

  Sellers ask me all the time whether they need a termite report or a dry rot report. Here's the short answer: it's the same report.What changes is what the inspector finds, and that depends a lot on where you live. Up here in El Dorado County, the story is usually dry rot, not termites. And if your