Nationally, the housing market has entered a rare moment of balance and in many cities, even a soft buyer’s market. Inventory is higher than it’s been in years, and cautious buyers are taking their time, analyzing every variable. That patience has a payoff: negotiating power.
Across medical hubs like Chicago, Denver, Charleston, Nashville, and Phoenix, we’re seeing physicians secure below-list prices, seller-paid rate buydowns, and contract flexibility unheard of during the pandemic boom. It’s a sharp reminder that waiting for “the perfect rate” often means missing the perfect opportunity.
If talk of a 50-year mortgage gains traction, affordability metrics will stretch and the quiet window we have right now could slam shut fast. When financing suddenly becomes easier, competition surges. More buyers qualify, prices climb, and those late to the table end up paying more for the same house.
At PREN, we’ve spent the past year guiding physicians who decided to step off the sidelines. The results are clear: they bought intelligently, negotiated confidently, and positioned themselves for long-term gains.
Physicians are planners by nature but sometimes the best strategy is simple. Buy when the market gives you leverage. That is now. Because once affordability expands and demand returns in force, today’s negotiable deals will turn back into bidding wars overnight.
