Late December can feel quieter in the real estate market, but that’s exactly why informed buyers can gain an edge. With fewer showings, less competition, and sellers who are still motivated, this time of year can present unique opportunities. Especially in the Southern Maine real estate market. Here’s how buyers can move strategically during late December.

1. Get Fully Underwritten (or as Close as Possible)

Pre-approval is a start. Full or near-full underwriting is the advantage. When your lender has already verified income, assets, and credit, you’re positioned to act quickly and confidently when the right home comes on the market. Even in a season with lower overall inventory, well-priced homes in York County and surrounding areas can still move fast. Being fully underwritten allows you to:

 Submit stronger, cleaner offers
 Reduce financing contingencies
 Signal to sellers that your transaction is solid and low-risk

In competitive situations, this preparation can matter just as much as price.

2. Ask Smarter Questions Than “What’s the Lowest You’ll Take?”

Price is only one piece of the negotiation puzzle, and often not the most flexible one.
Late-December buyers often succeed by focusing on terms, not just numbers. Strategic questions include:

 Are there repairs or credits the seller would consider instead of a price reduction?
 Would the seller be flexible on closing timing to better align with your financing or
move-in plans?
 Are rate buydowns or closing cost contributions available?
 Are there inclusions (appliances, furnishings, snow equipment, etc.) that add value?

These conversations can uncover opportunities that don’t appear in the listing price, particularly when sellers are aiming for a smooth year-end or early-January closing.

3. Watch the “Days on Market” Pattern Closely

A home that has been listed longer doesn’t automatically mean something is wrong, but it does mean there’s insight to be gained. In late December, extended days on market can reflect:

 Pricing that didn’t initially align with buyer expectations
 Reduced visibility due to holidays or weather
 A solvable issue related to timing, condition, or financing

This is where local expertise becomes especially valuable. Some homes may be overpriced, while others are overlooked opportunities that simply need the right buyer and the right strategy.

Understanding why a property hasn’t moved is often the key to negotiating effectively and finding value others may have missed.

Final Thoughts

Late December isn’t about waiting for the market to wake up; it’s about being prepared while others pause. Buyers who stay informed, flexible, and strategic during this time often gain leverage through stronger terms, clearer negotiations, and opportunities that aren’t as crowded. With the right preparation and local insight, this season can quietly set the stage for a smart, confident purchase heading into the new year.