There are many ways to a better rate, and most buyers only know about one. In this episode, we share the script for buyers who want to wait for rates or wait for spring, and what waiting could cost them. Buyers don't buy rates, they buy payments, so we show you how ARMs, a 2-1 buydown and permanent buydowns lower the payment, and how owner financing and a seller-carried second widen the buyer pool for your listings.We also cover a possible mini housing boom this November and December, why all-cash luxury buyers are increasing, asking expired sellers about owner financing, and an eight-figure owner-financing deal. Plus listener questions on how many times to follow up with a lead and how vendor take-back mortgages work.📬 The daily companion to Real Estate Coaching Radio. Subscribe free: https://www.harrisrealestatedaily.com/subscribe👉 Join the Harris AI Real Estate Team: https://ai-team.timandjulieharris.comCoaching: premiercoaching.timandjulieharris.comJoin eXp + Libertas: WhyLibertas.com/HarrisText Tim Direct: 512-758-0206Opinions are my own and not the views of eXp Realty.