# @mgthemortgageguy on Instagram

- **Type:** Video
- **Original URL:** https://www.instagram.com/p/Dcd8anhxiqu
- **Gondola URL:** https://gondola.cc/posts/69738409-mgthemortgageguy-instagram
- **Thumbnail:** https://img.gondola.cc/tr:w-,h-,fo-auto/postThumbnails/4b3a091a27.jpg
- **Posted:** 2026-08-25T15:21:28.000+00:00
- **Account Owner:** Matthew Garland NMLS#58700 (@mgthemortgageguy) — https://gondola.cc/mgthemortgageguy

## Caption

7 WAYS SMART BUYERS ARE BEATING THE AFFORDABILITY CRISIS IN 2026

1. NEGOTIATING SELLER CREDITS
Instead of only negotiating price, negotiate money toward closing costs or an interest-rate buydown. Sometimes the monthly-payment savings matters more than getting another $10K off the price.

2. BUYING DOWN THE INTEREST RATE
Use seller credits or your own funds strategically to permanently or temporarily lower the rate and payment. Run the break-even before spending the money.

3. TARGETING ASSUMABLE MORTGAGES
Some FHA, VA and USDA loans can be assumed by a qualified buyer. That could mean taking over an existing mortgage carrying a rate significantly below today’s market.

4. HOUSE HACKING
Stop looking only at single-family homes. A 2–4 unit property can allow you to live in one unit and use rental income from the others to help qualify and offset your payment.

5. BUYING THE UGLY HOUSE
The renovated house has somebody else’s profit built into the price. Look for properties that need work and explore renovation financing that can finance the purchase AND improvements.

6. USING INCOME TO OFFSET THE PAYMENT
ADUs, accessory apartments, multifamily units and other legitimate rental-income opportunities can completely change the economics of homeownership. Buy the property that can help pay for itself.

7. STRUCTURING THE FINANCING BEFORE SHOPPING
This is the biggest mistake buyers make.

Don’t find a $700K house and THEN ask how to afford it.

Figure out your target payment first. Then reverse-engineer the purchase price, down payment, loan program, seller credits and property type around that number.

You don’t need the perfect market. You need the right strategy.

If you’re planning to buy a home or investment property in the next 6–12 months, DM me “BUY” and let’s figure out the numbers BEFORE you start shopping.

#mgthemortgageguy

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- **Views:** 15,987
- **Likes:** 352
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- **Comments:** 13

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