They seem very bold in that they are offering and doing all they can to help; however, I left it that we are comfortable at a payment $150/mth and I would like to see what they can offer to make that happen for us. At that point they may have a more serious offer. She didnt say no to that but didnt completely give in either. She indicated you can ask for anything but I need to know you are serious and I will ask. So that is good news. Here is what we are thinking - a 10K credit (some to closing costs and some to upgrades).
My question - is it more beneficial to ask for closing cost assistance and get it all or most taken care of by the builder or ask for upgrades? Does it really impact the bottom line or the seller more directly one way over the other?
I just closed a builders spec home and the buyer I was representing was willing to buy a builder model if they did some changes. The builder was unwilling until we went to another builder in the area that I am familar with. More home, nicer upgrades, some upgrades by builder 1 were standard items for builder 2. My buyer's main concern was the timeline to close (relocating to the area) and builder 1 gave us a half bath and a finished lower level at no addition charge to seal the deal.
By the way where is the 15k in closing costs coming from? That seems OUTRAGEOUSLY high on a 190k home.
Never purchase a home from builder / bank / seller / listing agent UNLESS you have a buyers agent. Agents are familiar with art of presenting offers for win win situation for all parties, and control all process thru closing . You would also covered under YOUR buyers agent e & o insurance if something should go wrong.