$1,425,000

Carson City

310 Mountain Street, Carson City, NV 89703

Nevada's first Governor's Mansion, this lovely lady was born in 1878, and has never been more attractive! Enlarged in early 2000, and updated several times over the years, the home is largely authentic to the era but benefits from thoughtful and selective modernization. The formal living room, reception area, parlor, and dining room are lit by beautiful chandeliers enhanced by authentic ceiling medallions and are otherwise true to the original design...absolutely captivating! The kitchen is a dream with a six burner Wolf stove, 2 dishwashers, glass fronted cabinets, informal dining area, and an enormous panty with sliding shelves. A very large family room leads to a versatile office space. The primary bedroom is large, with ample storage and closet space. Double lavs and shower complete the space. Just enter the driveway and you will be captivated by the lush landscaping, the ample parking, and the large separate garage! Fully fenced with entry gate for privacy. The price reflects the need for moderate deferred exterior maintenance. Words cannot describe this property adequately....you must see it for yourself. Call for an appointment!

$585,000

Sparks

1381 Laser Court, Sparks, NV 89436

This home is impeccably maintained, and offers beautiful mountain views from the upstairs bedrooms and private master deck. A second deck just off the main living area provides the perfect space for outdoor entertaining. Inside, wood stairs lead to the upper level featuring three bedrooms, each updated with new ceiling fans. The home includes an updated kitchen with granite countertops, while the flooring consists of bamboo in one bedroom and high-quality vinyl tile throughout the rest of the upstairs. Additionally, the garage is equipped with a second washer and dryer hookup and a 240-volt outlet suitable for electric vehicle charging.

$375,000

Fernley

190 S West Street, Fernley, NV 89408

This 3 bedroom 2.5 bath home sits on a corner lot in downtown Fernley. Home was used as church/office for several years. Garage conversion created a large living space with a half bathroom. This can easily be converted back to a garage. This areas use zoning is MU allowing for small businesses.

$839,000

Sparks

8006 Furnace Creek Drive, Sparks, NV 89436

Panoramic Mountain Views | Multigenerational Design | 4-Car Tandem Garage | Corner Lot This beautifully upgraded Stonebrook home offers a highly sought-after multigenerational layout with a full secondary primary suite on the main level, perfect for extended living or guests. The open-concept design is filled with natural light, enhanced by extra-tall windows and doors, and a spacious kitchen featuring stainless steel appliances and upgraded 3cm granite countertops. Upstairs, enjoy a versatile loft ideal for a game room, media space, or additional living area, along with a spacious primary suite featuring a private balcony overlooking open space, where you can take in wildlife and expansive mountain views. The setting creates a bright, open feel with no homes directly behind you, offering a refreshing sense of space. The tandem 4-car garage provides exceptional flexibility for oversized vehicles, trailer parking, a workshop, or recreation space. A rare combination of views, functionality, and versatility in a desirable community.

$1,175,000

Reno

9831 Dyevera Lane, Reno, NV 89521

Welcome to this beautifully upgraded former model home in the highly sought-after Regency at Damonte Ranch. Designed with elegance and comfort in mind, this residence showcases premium finishes, thoughtful details, and a functional layout that perfectly blends luxury and everyday living. The main home features spacious open-concept living areas, abundant natural light, and high-end designer touches throughout. The gourmet kitchen flows seamlessly into the living and dining spaces, making it ideal for entertaining or relaxing in style. A standout feature of this property is the private casita—perfect for guests, a home office, or multigenerational living—offering both flexibility and privacy. Step outside to your own backyard retreat, complete with a sparkling pool and beautifully landscaped surroundings, creating the ultimate space for outdoor enjoyment. Located within a gated community, residents enjoy access to exceptional amenities, including a private clubhouse and an additional resort-style pool, fitness facilities, and social spaces that enhance the lifestyle this neighborhood is known for. With its desirable location in Damonte Ranch, close to shopping, dining, walking trails, and convenient freeway access, this home offers both luxury and practicality in one of the area's most popular communities. This is a rare opportunity to own a former model home with premium upgrades in an unbeatable setting.

$5,900,000

Stateline

130 Granite Crest Drive, Stateline, NV 89449

At the edge of Heavenly's Boulder Lodge parking lot, where a discreet paved road vanishes into the forest, lies one of Lake Tahoe's most private and extraordinary estates. Virtually unknown to the public, this rare compound is as secluded as they come—so hidden that most people don't even know it exists. Behind a stone gate, the drive meanders nearly a mile through towering pines before revealing a setting unlike any other. Spanning over 3.2 acres across two parcels, the property encompasses three separate structures and borders endless National Forest land, with Edgewood Creek flowing nearby and the Tahoe Rim Trail just steps away. While wrapped in privacy, the location is uniquely central—just below Heavenly Ski Resort (with potential ski-in access from out-of-bounds terrain) and minutes to the lake, Edgewood Golf Course, and Stateline's amenities. The centerpiece is the main residence, a three-story, 4,000+ sq. ft. architectural retreat with commanding lake views. Its great room is a showstopper, with vaulted ceilings, exposed beams enhanced by backlighting, bamboo floors, and a massive stone fireplace—all framing sweeping panoramas of Tahoe. Four bedrooms (including two suites) and four full baths are complemented by a mid-level family room, three fireplaces, and a versatile lower-level office with custom built-ins that could easily transition into a bedroom, theater, or gaming space. A series of rear decks stretch across the rear of the property, designed for entertaining against the backdrop of Tahoe sunsets. The detached ~1,200 sq. ft. guest house offers complete independence with its own two-car garage, two bedrooms (one ensuite), two full baths, and a full kitchen, dining area, and living room. Multiple decks invite guests to enjoy the views in privacy. A third structure houses a ~1,000 sq. ft. caretaker's apartment with one bedroom suite, full kitchen, dining, and living areas. Covered stairs lead to its entry, while the unit itself is perched above a five-car garage—perfect for car collections, boats, or Tahoe's essential toys. All three dwellings feature recently painted stucco exteriors, durable metal roofs, and a design that emphasizes longevity and low maintenance. Expansive asphalt parking areas provide ample space for RVs, trailers, and gatherings of any size. This is not just a property—it's a legacy compound, a private hideaway of scale and stature rarely seen in Lake Tahoe. 130-140 Granite Crest stands as a once-in-a-generation opportunity to own a true hidden estate in the Basin.

$1,050,000

Virginia City

81 N C Street, Virginia City, NV 89440

Historic Virginia City property extensively renovated and expanded in 2019 with modern infrastructure and flexible mixed-use potential. The property includes a retail/commercial space on one side, offering the ability for an owner to operate a business onsite or lease the space for additional income, while living on the other side. Major upgrades include all new commercial-grade electrical, new plumbing and wastewater lines, instantaneous propane water heater, 3-zone HVAC system, closed-cell spray foam insulation, and fire suppression system. Interior features include high end engineered wood on the residential side and luxury vinyl plank on the commercial side, zero-threshold showers, original Virginia City stained glass windows, a historic 14-foot Virginia City bar/counter, 150-year-old stair banister and newel, and an antique floor-to-ceiling cabinet on the mezzanine. Kitchen features high-end appliances including a Wolf stove and oven and concealed Bosch dishwasher. Offered fully furnished or unfurnished. Commercial/retail space adds an additional +/- 1,019 SF

$274,900

Stateline

331 Tramway Drive 10, Stateline, NV 89449

Highly Desirable Tahoe Village Studio – STR Permits Still Available! Fully furnished and newly remodeled studio located in the sought-after Tahoe Village neighborhood on the Nevada side of Heavenly. This turnkey property is perfectly situated near world-class skiing, scenic hiking trails, and offers the convenience of a free shuttle service. Enjoy access to the community pool and spa in the clubhouse. With Douglas County STR permits still available for this neighborhood, new owners can apply for a permit to, continue short-term rentals (for stays under 28 days). STR income approximation for the property and estimates it to gross $28k - $43k year one. The property is fully equipped and ready to rent, featuring digital remote entry and security cameras for seamless management. Don’t miss this investment opportunity in one of Lake Tahoe’s most desirable rental-friendly communities!

$4,995,000

Glenbrook

275 Chukkar Drive, Glenbrook, NV 89413

Spectacular Cave Rock Estates custom home with sweeping lake views and a uniquely private setting. The generous 1.16-acre parcel borders undeveloped lands and offers colorful summer sunsets within a bright and sunny setting. The near 5500 square foot floor plan includes five en-suite bedrooms, two of which are primary bedrooms. All bedrooms feature stunning lake views. The floor plan also includes a large game/bonus room with 1/2 bath, kitchenette and bar as well as a private office located on the entry level. and a gourmet kitchen. A three car garage, heated driveway and backup generator add to the massive appeal of this offering. The stone clad exterior of the home and metal roof reduce the overall maintenance requirements associated with the mountain environments.

$724,500

Reno

11201 Messina Way, Reno, NV 89521

Come experience this beautiful home in Damonte Ranch—a highly desirable location offering convenience and lifestyle. Ideally situated near schools, shopping, scenic walking trails, and just a short drive to Mt. Rose. This move-in ready home features 4 spacious bedrooms, 2.5 bathrooms, a 2-car garage, and a versatile den—perfect for a home office or additional living space. The mature landscaping in both the front and backyard creates a welcoming and private outdoor retreat. Enjoy relaxing evenings around the conversation pit or stay active with your very own basketball court. A perfect blend of comfort, location, and lifestyle—this is a home you don't want to miss. Seller will consider to contribiute with Buyer's closing costs.

$499,000

Carson City

601 Bath Street, Carson City, NV 89703

Charming single story home on Westside of Carson City. This 3 bedroom, 2 bath home has a functional layout. Big family room with warmth of a fireplace. Galley kitchen connects dining area with separate living area. Spacious garage for added storage. Large shed for options such as animal house, toys or yard tools etc. Enough side yard for extra parking. Conveniently located close to schools, nature paths, shopping and blocks from downtown Carson City. Wonderful opportunity for first time buyers or investors.

$699,000

Silver Springs

1375 E Fir Street, Silver Springs, NV 89429

Great commercial opportunity at 1375 E Fir St in Silver Springs, ideally located on the main route to Lahontan State Recreation Area and Lake Lahontan. This high-traffic location benefits from exceptional summer tourism as well as steady daily traffic from surrounding residential communities. Currently operating as a market offering grocery and retail items geared toward lake visitors and locals. The property offers multiple potential income streams including RV storage, RV park space, storage units, feed store potential, and lake recreation rentals. Existing inventory includes camping gear, fishing equipment, propane, ice, and lake essentials, making it a convenient stop for travelers headed to the lake. Additional business opportunities may include U-Haul rentals, EBT acceptance, firewood sales, and fishing license sales. There is also potential to expand with rv park, restaurant, bar, or food service use to capture tourism and local demand. Excellent visibility and location make this a versatile property with strong investment and owner-operator potential in a growing recreation corridor. There is a manufactured home located on the property that is allowed to be used as a watchman's quarter. 3-bedroom 2 bathroom and will be shown to any interested party. This is unique as Lyon County no longer allows homes to be built in this particular zoning and will be grandfathered in as long as the home exists on the parcel. Property is completely surrounded by undeveloped land. This parcel comes with 4-acre feet water rights and two septic tanks. Sale of this property comes with all inventories. Building qualifies for a historical plaque.

$665,000

Reno

2190 Dutch Draft Drive, Reno, NV 89521

Charming 3 bed, 2 bath home built in 2015, ideally located on a corner lot in the sought-after Cyan community - just steps from Cyan Park with basketball courts, dog park, playground, and splash pad! Thoughtfully designed open floor-plan with tile in high-traffic areas, ceiling fans throughout, surround sound, and a cozy gas fireplace with blower. The modern kitchen has tons of cabinets, large island, granite countertops, and huge pantry. The spacious primary suite is privately set apart and features a large walk-in closet, double sinks, garden tub, walk-in shower, and bidet pre-wire. The Sellers even had the builder install extra insulation in the interior walls for better sound proofing and privacy! Enjoy the backyard oasis with paver patio, gas firepit, hot tub hookups and pad, gas stub for your grill, fruit trees, and dog run. You'll never run out of hot water with your tankless water heater. Custom WS2815 RGB strip lighting is installed along all eaves of the home and are easily controlled from your smartphone via the WLED app, these individually addressable lights can display vibrant, dynamic color effects—perfect for holidays or special occasions. For everyday use, they can be set to a soft, warm white glow, providing subtle ambient illumination that enhances the home's exterior. Conveniently close to top rated schools, shopping, dining, parks, freeway access, and all that South Reno has to offer! Avoid the high property taxes of a new home and take advantage of lower property taxes that WILL NOT be reassessed upon sale. Don't miss this one!

$950,000

Stateline

748 Tina Court, Stateline, NV 89449

Turnkey, income-producing, and minutes from Heavenly. This renovated mountain escape is beautifully furnished and set up for effortless ownership, whether used as a private second home, vacation rental, or both. With low monthly association fees and a highly desirable location, the home offers immediate lifestyle appeal and proven rental demand. Remote-hosting systems are already in place, with vendor contacts available to help streamline continued operation. Rental history available upon request. Offered fully furnished, excluding select personal items. Recent updates include a new hot tub cover. Wall heating and a potbelly stove add classic Tahoe warmth and character.

$669,500

Reno

1000 Primrose Street, Reno, NV 89509

Noted for it's charm and unique custom homes that were built in the early 1900's. This beautifully updated and meticulously maintained home is casually sophisticated and loaded with personality. Enjoy classic Midtown charm while you walk to Idlewild Park, the Truckee River and gentrified Downtown Reno! Quality and beauty meet opportunity in this stucco bungalow situated on a large lot with a private patio within a lovely yard. You'll find it filled with wonderful, mature landscaping featuring many specimens of trees and plantings including gardening spots and a dog run. This character-filled home features beautifully maintained, original hardwood floors, a brick, wood-burning fireplace that create a warm atmosphere and many original built-in features amongst the updates. Large,picturesque windows fill the home with natural light,enhancing the bright and welcoming interior. There is a one-car garage and an extended driveway with ample space for multiple vehicles.

$2,450,000

Reno

1555 S Marsh Avenue, Reno, NV 89509

You would never know this private oasis is right in the middle of historic old southwest Reno. Offered for only the third time in a century, this jewel box estate sits on a rare .85 acre lot inspired by the cottages of England's Cotswolds. The current owners spent 35 years meticulously crafting this into a one-of-a-kind property. The 2808 square foot main home and 840 square foot guesthouse is enveloped in privacy by all the surrounding trees. Set back 50 feet from the street, the main home is practically invisible, enabling you to enjoy total privacy to roam the enchanted gardens. The main home has a granite stone and brick exterior, brick pillars with twisting Grapevine patterns, European iron sconces, and a welcoming arched front door. Features include handcrafted brushed cedar windows and doors, a cozy stone fireplace, Rocky Mountain bronze hardware, 300 year old salvaged French white oak floors and beams, hexagon antique terracotta tiles from France, and so much more. The kitchen offers separate zones for cooking and baking. The chef will enjoy the six burner Viking stove, French limestone counters, Heritage mahogany cabinets and Herbeau Fireclay farmhouse sink from France. The baker will delight in the custom marble countertop, Sub Zero drawers, and double Viking ovens. The dining room features a custom built William Ohs cabinet. Dine by the light of the Mimi London antique chandelier and exquisite Austrian sconces or dine outside on the patio at a table for 10 surrounded by extensive gardens. The primary bedroom is very spacious, featuring two cedar lined reach-in closets as well as two walk-in closets. The original flooring is intact and there are all new Pella double-hung windows and a large sliding door to the outside patio. Just outside you will find a hot tub and a separate 350 square foot workout studio with Peloton treadmill, high ceilings with skylights, and heated floors. The guest bedroom has welcoming salvaged terracotta tile flooring from France, lighting from Restoration Hardware and a new 8 foot sliding door to its own patio. The adjacent office could also be a third bedroom. It features English white wool carpet, Farrow & Ball wallpaper, two skylights and a new sliding door to a patio. The guest house has one bedroom, one bathroom, and a great room. Stunning remodel completed in May of 2026, with all new appliances and furnished. It has also been updated with gas appliances, new water heater and furnace, two year old windows and newer roof. Use this fabulous home for older children, in-laws, guests or a caretaker, or as a short or long term rental. The grounds are truly exceptional, with gorgeous patios, meandering walkways, a Japanese moon gate, an extensive variety of old growth trees, boxwoods and flowers, in-ground gardens, multiple storage sheds, and 160 square foot greenhouse with plumbing and heating. All systems and electrical have been updated. The owners have plans for an enclosed garage adjacent to the main home that can be passed on to the buyer. Don't miss the opportunity to make this exceptional home yours. The property on the back border of this, at 1550 Mount Rose, is also available for sale if someone wanted to have a larger property with 3 homes.

$255,000

Reno

2976 W Tierra Verde, Reno, NV 89512

Tucked away in a serene, park-like setting, this beautifully updated first-floor condominium offers the perfect blend of comfort, style, and convenience. Inside, you'll find elegant quartz countertops, fresh interior paint, new stainless steel appliances, new luxury plank flooring, a cozy gas fireplace, and a remodeled bathroom featuring a step-in shower, updated vanity, and modern lighting fixtures. The home also includes a brand-new washer - dryer for added convenience. Step outside to an expansive private deck overlooking a tranquil greenbelt framed by mature trees—an ideal space to relax and unwind. Just steps away you can access the community pool and miles of walking paths throughout the neighborhood. The property includes two assigned parking spaces, one covered and one uncovered, while water and trash services are included in the HOA dues. As an added bonus, this home features a VA assumable loan opportunity, and escrow has already been opened, making for a potentially smoother transaction.

$400,000

Silver Springs

3065 Dayton Avenue, Silver Springs, NV 89429

Charming rural retreat on 4.63 acres in Silver Springs! This 3-bedroom, 2-bath manufactured home offers the perfect blend of space, privacy, and rural charm. Situated in a serene setting just off Ramsey Weeks Cutoff, it provides comfortable living with wide-open space and room to spread out, plus plenty of potential for animals, toys, or future improvements.

$528,000

Gardnerville

1356 Westminster Place, Gardnerville, NV 89410

Welcome home to the cutest home you can imagine. A lovely Chichester location... from the front yard landscaped with pavers, walk into an open floorplan, high ceilings with fan in the living room that opens up to the kitchen. Stainless steel appliances only 5 years old, (refrigerator included), pantry, a breakfast bar and dining area are perfectly situated off the kitchen, with a slider to the fenced, landscaped backyard. Pavers are featured on the covered patio with pergola. New tuff shed stays. RV parking with security gate on the side of the home. Pergo laminate flooring, 3 spacious bedrooms, 2 baths ( walk in shower/tub w/ grab bars for ADA ease in the guest bath.). Primary bedroom has 3 side by side closets and double sinks in the bright, pretty bathroom. Laundry room with newer Maytag washer and dryer included. Gas water heater is less than a year old, Kinecto water softener, shelving in garage stays. You have to see this one- literal move-in condition!

$750,000

Reno

50 N Sierra Street STE 903, Reno, NV 89501

You're standing by the window on the 9th floor, the Sierra Nevada mountains stretching in one direction and the city glowing in the other, and it hits you, this isn't just where you live... it's the life you've been working toward. Welcome to #903 at The Palladio. Mornings begin with sunlight filling this 2-bedroom, 2-bath, 1,364-square-foot residence as Reno wakes up below. Tile floors, neutral tones, and upgraded finishes create a calm, modern backdrop, while the kitchen, featuring granite countertops overlooking the living room and warm honey oak cabinets, becomes the heart of the home. Coffee tastes better when your view includes mountain peaks and a downtown skyline. Some days start with a river walk or a workout downstairs, others begin in the bonus room thoughtfully designed with custom-built office furniture, a space that makes working remotely feel intentional, creative, and inspired. Inside, the home is calm, elevated, and effortlessly livable. The layout flows, the light pours in, and the city noise fades the moment you step inside. A modern electric fireplace anchors the living space, making it the kind of place where you host friends before a night out, unwind after a long day, or simply sit still and watch the sky change colors over the mountains. At the end of the day, the primary suite feels like a private retreat, complete with a soaking tub and a standalone shower, designed for relaxation and reset. Living here means your lifestyle expands beyond your front door. A resort-style pool and spa for slow afternoons. An outdoor patio perfect for entertaining or quiet evenings. Overnight security, building maintenance, water, sewer, and trash handled — so your time stays yours. Step outside and downtown Reno becomes your backyard, fine dining, local breweries, wine walks, public art, live music, and year-round events just steps away. Holiday pub crawls, spontaneous dinners, last-minute plans that turn into unforgettable nights, this is a neighborhood that moves with energy and possibility. And yet, when the night winds down, you rise back above it all to your private retreat in the sky. This condo is more than a home. It's a balance of mountains and city, energy and calm, adventure and comfort. A place where your days feel fuller, your nights feel earned, and your life feels exactly where it should be. This is downtown living, elevated.

$235,000

Reno

3935 Clear Acre Lane APT 211, Reno, NV 89512

A complete reinvention of this absolutely stunning downstairs condo. Every detail has been thoughtfully updated, creating a fresh, modern, move in ready home for its next owner. The beautifully redesigned kitchen features new cabinetry, countertops, sleek stainless-steel appliances, new flooring, a new water heater, and abundant natural light throughout. And the location is hard to beat, with quick access to Highway 395, just 7 minutes to the University, 9 minutes to Reno Tahoe International Airport, and 23 minutes to USA Parkway and the Tahoe Reno Industrial Center. Turnkey, stylish, and ideally located, this one checks every box.

$3,985,000

Reno

12900 Silver Wolf Road, Reno, NV 89511

An exceptional offering, The Estate at Silver Wolf is truly one of one in the Reno valley. Few properties boast such a coveted blend of luxury, location, and lifestyle. Thoughtfully designed with an emphasis on outdoor living, this 5,466 sq. ft. residence invites the most discerning buyer to embrace the elegance of a California dream or Mediterranean escape, all while enjoying the tax-friendly benefits of Nevada. With timeless craftsmanship, sophisticated style, and effortless livability, isn't it time to call this extraordinary estate home? Fluid architectural lines and mountain views welcome you to embrace the standard of elegance you've always dreamed about. Crisp tilework blends with natural light in the open 2-story great room, complete with full wet bar. This heartbeat-of-the-home is anchored with floor-to-ceiling stone craftsmanship, wrapping the sleek fireplace in timeless beauty. Pride of ownership is evident throughout, including the kitchen, formal dining room, breakfast nook, and 4-ensuites. Additional flex-rooms are perfect for an in-home gym or play room. A sizable 4-car garage, including RV accommodations, complete your lifestyle options. Situated on a 2.92-acre parcel ensures your privacy and views for years to come. Built on the "best lot" with Wolf Run golf course nearby, The Fairways at Field Creek includes 65-custom luxury homes with breath-taking mountain, valley, and city views with top-rated schools. Located in South Reno, there's easy access to I-580 and Mount Rose Highway — making Lake Tahoe's crystal waters and plethora of Alpine adventures but a short drive. Carve some slopes, rip along bike trails, or clock some beach time. Award-winning golf courses, shopping, medical facilities, downtown Reno symphony, notable restaurants, and the region's many festivals will keep your social calendar hoppin'. A mere 15-minute drive delivers you to Reno International Airports global reach. Yet, you can return to your comfortable haven.

$355,000

Carson City

4263 Furgerson Ranch Road, Carson City, NV 89701

Spacious Townhome with Flexible Financing Options. Welcome to this ideally located 2-bedroom, 2.5-bath townhome offering 1,464 sq ft of comfortable and spacious living space. The open floor plan features vaulted ceilings and abundant natural light, creating an inviting atmosphere for both everyday living and entertaining. The kitchen and dining area flow seamlessly to a private patio—perfect for relaxing or enjoying outdoor dining. Upstairs, the primary suite provides a peaceful retreat, an additional bedroom for guests or family, and a large loft that offers flexibility for a home office. Additional highlights include a 2-car attached garage, energy-efficient double-pane windows, and a low-maintenance yard. Conveniently located near outdoor space and easily accessible commuter routes in Carson City, this home combines comfort and practicality. Seller may be willing to offer a credit toward buyer closing costs or interest rate buydown, helping reduce monthly payments depending on offer terms.

$349,000

Carson City

4215 Furgerson Ranch Road, Carson City, NV 89701

Comfortable Townhome with Opportunity for Payment Savings This inviting 3-bedroom, 2.5-bath townhome offers approximately 1,400+ sq ft of functional living space in a well-maintained community. The open layout features a spacious living area, a well-appointed kitchen with breakfast bar and pantry storage, and a dining area overlooking a private patio. Upstairs, the primary suite includes en-suite bath with illuminating skylight, while two additional bedrooms provide versatility for guests or work-from-home needs. Residents enjoy access to community amenities and low-maintenance living in a convenient Carson City location close to shopping and outdoor recreation. Seller may consider offering buyer concessions that can be applied toward closing costs or interest rate buydown, potentially lowering monthly payments based on purchase price and terms.