The Smartest Holiday Deal You Can Make This Year
- Liana Pomeroy
- Dec 19, 2025
- 3 min read
Every December, the world chases the same thing: holiday deals.
People line up for discounts on TVs, electronics, appliances, clothes, and gifts that will be outdated or forgotten in a year. But the biggest deal of the season isn’t inside a store, it’s sitting quietly on the real estate market.
If you want to take advantage of “holiday savings,” the home you’ve been thinking about might actually be the smartest purchase you make this year.
The truth is simple:
December is one of the most strategic times of the year to buy a home. If you know how to use the season to your advantage.
Why Holiday Shopping Season = Real Estate Deal Season
While everyone else is focused on gift lists and travel plans, something different is happening in the housing market:
Less buyer competition
More motivated sellers
Longer days on market
Better negotiation opportunities
A real chance to save thousands
Sellers want clean closings before the new year. They want to be done with showings, packing, and uncertainty. And buyer traffic always slows in December... which means the buyers who stay active have leverage.
This is your version of a holiday doorbuster, but with long-term wealth behind it.
The Deal Everyone Misses
Holiday “deals” usually look like this:
A TV that drops from 700 dollars to 499
A laptop discounted by 20 percent
Clothes marked down that will be donated next year
But here’s what a real estate deal looks like in December:
A seller dropping 10,000 or 25,000 dollars in price
A seller giving 8,000 dollars in credits to cover closing costs
A seller paying for a rate buydown that lowers your monthly payment
Repairs or upgrades negotiated in your favor
No Black Friday sale comes close to that kind of financial impact.
Financing Is Often Easier Than People Think During the Holidays
Between gift funds, down payment assistance, and low-money-down programs, more buyers qualify in December than they realize.
Families are already exchanging gifts, which makes this the easiest month of the year to talk about:
contributing toward a down payment
pooling support
using gift funds strategically
planning for a 2025 purchase
putting money toward something that grows instead of something that depreciates
Holiday generosity can become part of your homeownership strategy. Not just part of your shopping list.
The “Deal of the Century” Happens Quietly
The best December deals are not loud. They don’t show up in ads or on sale banners. They show up in places like:
listings with recent price reductions
homes that sat longer than expected
sellers who want to be done before year-end
slow traffic weekends when buyers are traveling
motivated families relocating in January
This is where real savings live.
Not in a cart. Not in a sale aisle. In negotiation, structure, and timing.
What This Means for You
If you’re thinking about buying in the next few months, December may put you ahead of the curve.
Ask yourself:
Do you want to start 2025 with stability?
Would a seller credit change your affordability?
Are you open to a conversation about gift funds?
Would a rate buydown make your monthly payment work?
Do you want to take advantage of a slower market before January picks up?
If the answer is yes, this is worth exploring.
Final Thoughts
Holiday shopping is fun, but it doesn’t build wealth. A home does.
If you want to use this season the way strategic buyers do — with clarity, timing, and leverage — I’m here to walk through the numbers with you.
Let’s see whether this December holds the best deal of your year.
—
Liana Pomeroy
Senior Mortgage Loan Advisor
Equal Housing Lender | Licensed in CO, FL, CA, TN & TX
All loans subject to approval. Conditions apply.
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