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The winter can be the perfect time to buy waterfront real estate. Not only can you pick up a bargain waterfront home from a motivated seller, you can save on your purchase expenses like appraisals and home inspections.

Home buyers put off searching waterfront real estate because of holiday decorating, shopping, and parties. Plus, the cold weather makes home buyers prefer to stay home; they wait for warm weather to buy waterfront real estate. Get in early and make your offers before other buyers do.

If a seller still has a waterfront home on the market that is held over from the summer, they will likely be more motivated to hear your offer. If the seller feels he can’t wait till next summer for more offers they may be inclined to accept a lower offer.

Real estate agents need to keep their momentum going and can’t afford to take too much time off. When the agents aren’t as busy, you get better service. Plus, they’re more likely to take low offers seriously. Agents love investors ready to buy waterfront real estate during the winter.

Banks and mortgage brokers will usually loosen up more during the winter as well. They are affected by the real estate market just like the agent is. When applicants become few and far between, lenders will look for more creative ways to turn potential buyers into homeowners.

During the peak summer months, appraisers and home will likely be booked 5-10 days out. They can also charge more for their work because they have a steady amount of calls coming in. As the winter approaches, the workload lessens and the phone calls decrease. You can likely get the appraiser and inspector out to the property in one or two business days. Many will even work weekends if it is the difference between winning or losing the job.

So throw on your coat and start looking at those listings that are left over from the summer frenzy. Make as many offers as you can. Don’t wait for the summer to come back in just to find yourself competing against all those other offers.