For several years, homebuyers became accustomed to bidding wars, limited inventory, and sellers holding most of the negotiating power. In 2026, the market looks very different.
More homes are available, and sellers are increasingly willing to negotiate.
Recent housing data shows that nearly half of buyers nationwide are receiving some form of seller concession. Here in Tampa, 47.8% of recent home sales tracked by Redfin included a seller concession.
What does that mean for a homebuyer?
Depending on the transaction and mortgage program, buyers may be able to negotiate for the seller to contribute toward eligible closing costs, repairs, or a mortgage-rate buydown. Buyers may also have more room to negotiate the purchase price, particularly when a property has been sitting on the market.
This is where having your financing organized before you start negotiating becomes especially important.
Getting pre-approved for a mortgage allows you and your Realtor to understand your estimated price range, monthly payment, cash needed to close, and which financing strategies may be available.
Instead of simply asking, "How much can we get off the price?" your mortgage professional can help you determine whether a price reduction or an eligible seller credit could potentially provide greater financial benefit.
At Bluegrey Mortgage in Tampa, we work closely with homebuyers and their Realtors to structure financing around each buyer's individual situation.
Today's market may provide opportunities buyers haven't had in years. The key is knowing how to use them.
Thinking about buying a home in Tampa or elsewhere in Florida? Contact Bluegrey Mortgage to get pre-approved and start building your homebuying strategy.
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