If you want help finding the right one, I’ll walk you through this list on a 15 minute call.
Book a 15 minute callRight now, a lot of Denver owners are offering money to help whoever buys their home. Think of it like a coupon that’s already stuck to the house, and most buyers never use it. Here are the 354 homes where the owner put that offer in writing.
If you looked at buying a Denver home in the last few years and the monthly payment was too high, you weren’t wrong. Here’s what changed since then, and it isn’t the interest rate you hear about on the news.
Owners started offering money to help buyers. When a home doesn’t sell fast, the owner can lower the price or give the buyer money to help them buy. Lowering the price helps a little, but that same money used to lower your interest rate usually helps a lot more, because your interest rate decides how big every monthly payment is.
Every home on this list says, right in the listing, that the owner will give money to help the buyer. That’s not a guess on my part, it’s what the owner wrote.
Most buyers use it for closing costs, which helps one time and then it’s gone. If you use it to lower your interest rate instead, it lowers your monthly payment, and depending on how it’s set up, that lower payment can last a couple of years or the whole loan.
Next to every home, I show how long it’s been for sale and how much the price has dropped. An owner who already lowered the price is usually the most willing to help you even more.
Concession is money the owner gives to help the buyer.
Buydown means using money to lower your interest rate.
2-1 buydown means a lower rate for the first two years only.
Closing costs are the fees you pay when you buy a home.
Assumable loan means you can take over the owner’s loan.
Here’s the comparison most people never see before they decide they can’t afford to move. The price of the home stays the same, and the only thing that changes is how the owner’s money gets used.
| How the owner’s money is used | Your monthly payment | You save |
|---|---|---|
| Not used at all | $2,413 | Nothing |
| Used for closing costs | $2,413 | $0 a month |
| Used to lower your interest rate | $2,074 | $339 a month |
| Home | Price | Full payment | First year payment | You save |
|---|---|---|---|---|
| Bigger house5925 W Long Dr, Littleton | $800,000 | $5,081 | $4,251 | $830 a month |
| Smaller house9755 Elizabeth St, Thornton | $384,900 | $3,061 | $2,559 | $502 a month |
| Townhome15497 E Louisiana Ave, Aurora | $275,000 | $2,413 | $2,074 | $339 a month |
| Condo8248 Washington St #98, Denver | $250,000 | $2,251 | $1,916 | $335 a month |
A computer search can find the right words, but it can’t tell what a listing really means. So I opened each of these homes, read what the owner wrote, and took out the ones that didn’t hold up. Each home below shows the owner’s own words, so you can see it for yourself.
Why some homes got cut. About a third of the homes I opened didn’t make it. Some had deals that already ended in June, and some needed a bank to approve the money first. A few even said the owner will not pay, and the search picked them up anyway. That’s why the full list in Part 2 comes with a warning.
When an owner puts money in the listing, they’ve already said yes to helping. How much you actually get and what it pays for still get worked out in your offer, and that part is my job. A few of these may not work out, and nothing here is a promise of a rate, a payment or a loan.
Castle Rock · House · 5 beds, 5 baths · Listing #8169468
“The seller is offering a $15,000 credit toward buyer concessions or an interest-rate buydown, providing valuable flexibility for the new homeowner.”the owner’s own words, from the listing
The owner is putting up $15,000, and you get to choose whether it lowers your rate or pays your closing costs.
Parker · House · 4 beds, 4 baths · Listing #8105903
“SELLER OFFERING $10,000 IN CONCESSIONS with an acceptable offer!”the owner’s own words, from the listing
They already came down $15,000 on the price, and they'll still hand you $10,000 at closing.
Littleton · House · 4 beds, 4 baths · Listing #5036664
“In addition to the price reduction, seller is offering a $27,000 concession to buy down your interest rate as low as 5.99%!”the owner’s own words, from the listing
This one has been for sale since February, the price is down $120,000, and the owner will still pay to lower your rate.
Littleton · House · 5 beds, 5 baths · Listing #9367725
“This Shea Homes Open Sky model in the Stargaze Collection is complete, polished, and priced at $945,000, now paired with a $25,000 seller concession.”the owner’s own words, from the listing
The builder dropped the price $30,000 and added $25,000 on top, so you're getting helped twice.
Denver · Condo · 1 bed, 2 baths · Listing #7486960
“MOTIVATED SELLER OFFERING A $10,000 SELLER CONCESSION toward a rate buydown or other allowable financing costs.”the owner’s own words, from the listing
It just came on the market and the owner is already offering $10,000 toward your rate.
Denver · Townhome · 3 beds, 4 baths · Listing #2894571
“Seller offering a $10,000 concession to go towards closings costs, rate buydown, etc.!”the owner’s own words, from the listing
The price is down $30,000 and there's another $10,000 waiting for your rate or your costs.
Brighton · House · 4 beds, 4 baths · Listing #4680254
“Sellers are offering $10,000 in seller concessions to help with rate buy down/ closing costs!!”the owner’s own words, from the listing
They cut $20,000 off the price, and they'll put another $10,000 toward your rate.
Westminster · House · 4 beds, 3 baths · Listing #3423849
“PRICE IMPROVEMENT, $699,900 + $5,000 SELLER CONCESSION!”the owner’s own words, from the listing
They just dropped under $700,000 and added $5,000 toward what you owe at closing.
Denver · Condo · 2 beds, 3 baths · Listing #6373285
“Also offering up to $10k seller concessions with acceptable offer; use for interest rate buydowns, closing costs, or prepaid HOA for multiple years.”the owner’s own words, from the listing
You can spend their $10,000 on your rate, your closing costs, or a couple years of HOA dues.
Arvada · House · 4 beds, 4 baths · Listing #8321445
“Seller is offering a $10,000 credit that can be applied toward a 2-1 interest rate buydown or used for closing costs.”the owner’s own words, from the listing
The price is already down $100,000, and their $10,000 can lower your payment for the first two years.
Parker · House · 4 beds, 3 baths · Listing #3509393
“$10,000 SELLER CREDIT TOWARD RATE BUYDOWN!”the owner’s own words, from the listing
They've had it about a month and they're already offering $10,000 to lower your rate.
Thornton · House · 5 beds, 4 baths · Listing #7815766
“Seller is offering a $10,000 concession toward an interest rate buydown.”the owner’s own words, from the listing
The owner will put $10,000 straight toward lowering your interest rate.
Highlands Ranch · House · 4 beds, 4 baths · Listing #2558280
“Meticulously maintained, newly priced, and $10,000 in seller concessions to use your way: new flooring, a rate buydown, closing costs, or whatever works best for you.”the owner’s own words, from the listing
Their $10,000 is yours to use wherever it helps most, whether that's the rate or the floors.
Parker · House · 4 beds, 4 baths · Listing #4022282
“SELLER OFFERING $10,000 CONCESSION FOR A RATE BUY DOWN WITH A VIABLE OFFER!”the owner’s own words, from the listing
The owner is offering $10,000 and they want it spent on lowering your rate.
Aurora · House · 5 beds, 3 baths · Listing #IR1068354
“3.99% FHA Assumable”the owner’s own words, from the listing
You may be able to take over the loan the owner already has instead of getting a new one.
Denver · House · 3 beds, 2 baths · Listing #8892202
“Seller is offering up to $13,000 toward a 2-1 temporary interest-rate buydown and/or buyer closing costs with an acceptable offer.”the owner’s own words, from the listing
That $13,000 can knock your payment down for the first two years, and the price already came down too.
Denver · House · 3 beds, 2 baths · Listing #6381900
“SELLER OFFERING $5,350 TOWARD A BUYER INTEREST-RATE BUYDOWN WITH AN ACCEPTABLE OFFER!”the owner’s own words, from the listing
The owner picked an exact number, $5,350, and they meant it for your rate.
Lakewood · House · 4 beds, 2 baths · Listing #3377741
“$5,000.00 Seller Credit Toward Buyers Rate Buydown or Closing Costs!”the owner’s own words, from the listing
They came down $10,000 already, and their $5,000 can go to your rate or your costs.
Aurora · House · 3 beds, 3 baths · Listing #8943690
“SELLER INCENTIVE: Seller offering up to $10,000 toward buyer's closing costs, including a potential interest rate buydown, with an acceptable offer.”the owner’s own words, from the listing
There's $10,000 here for your closing costs, and it can go toward your rate instead.
Denver · House · 4 beds, 2 baths · Listing #4626226
“As an added incentive, the seller is offering a $10,000 credit toward an interest-rate buydown or buyer's closing costs.”the owner’s own words, from the listing
It's barely been listed and the owner is already offering $10,000 toward your rate.
This part works a little differently. Every home below uses a word like “concession” or “buydown” somewhere in its listing, but I haven’t checked each one by hand yet, so think of it as a starting point. From the ones I did check, about two out of three held up, and a few said the opposite of what you’d hope.
Send me any address on this list and I’ll check it for you before you spend a Saturday going to see it.
Send me the address or book a 15 minute call at lp.kareemrealtor.com/15-minute, and I’ll call the owner’s agent to find out how much the owner will really give. Then I’ll tell you which homes on this list fit you best.
I’ll also be calling you from 720-802-3598, so save that number as Kareem.
Pick a time for a 15 minute call, and I’ll tell you which homes on this list make the most sense for you.
Book a 15 minute call