rewrite this title I’m a Mortgages Writer. Here’s the Homebuying Advice I Ignored – NerdWallet

As soon as I saw it, I knew it was a gardener’s house.

Full sun. Full composter. Native perennials. While the raised beds had seen better days, the soil within them was soft and lovingly tended. It was exactly the kind of place my husband and I had been waiting to find.

Judging by the buyers lining up early for the next showing, we weren’t the only ones.

How could we make our offer stand out? I write about homebuying for a living, so I knew exactly what conventional wisdom called for. The question was whether I was about to ignore my own advice.

The seller, we learned, had lived in the house for more than 50 years. A retired high school teacher, he spent decades of summers tending to those gardens.

I had a package of tongue-in-cheek travel postcards left over from early 2020 quarantine — you know, when some of us joked about hiking in Puerto Backyarda or nightlife in Los Bed. This one said, “Greetings from my garden! Wish you were here.”

I wrote a simple note on the back: “It’s clear your house has been well loved for many years, and it would be an honor to write the next chapter of our story here.”

A buyer love letter — or, a personal appeal to a seller about why you want their house — seems innocent, but it’s more of a risk than you might think. If I had disclosed personal details, I could have put the seller at risk of violating fair housing laws if he chose me over another buyer.

The point of the “no love letters” rule is to reduce the risk of discrimination. While I technically broke the rule, I honored the reasoning behind it by carefully wording our note to focus on the gardens, not the people involved. If I had mentioned, say, wanting to grow potatoes to make my family’s pierogi recipe for Christmas dinner, I could have inadvertently disclosed personal details that had no business being part of the sale.

Before you submit a “love letter” with your offer, talk it over with your buyer’s agent first so you understand the fair housing implications and whether it’s common practice in your market.

So how do you know when it makes sense to ignore traditional guidance? First, understand why the rule exists — something your real estate agent can help you think through. Together, you can decide whether a creative compromise is acceptable.

A homebuying rule may be worth bending when you’re doing it from a position of knowledge, not pressure. In a hot market, it’s easy to mistake urgency for strategy.

Skipping the inspection can make your offer more enticing, but it exposes you to costly surprises after you move in. The Realtors Confidence Index, a national survey of the National Association of Realtors’ members, showed that 17% of buyers waived the home inspection contingency in May.

For about $400, buyers can hire a home inspector to give a top-to-bottom assessment of a home’s condition. The report flags potential problems and can give buyers leverage to negotiate repairs or credits from the seller.

“Any home inspector would be like, ‘This is a crumbling nightmare,’” Wood says.

Wood weighed the pros and cons. Between the property’s obvious condition and her experience researching and writing about fixer-uppers, she felt comfortable buying it without a home inspection. Still, she emphasizes that her decision wasn’t impulsive, and most buyers shouldn’t follow her lead.

“Is this something that you should just do willy-nilly? No — definitely no,” she says.

If you do decide to ignore a piece of homebuying advice, sweat the details — and don’t make it one that stretches your budget to the breaking point.

As for me: Yes, I broke a rule. Yes, I still got the house. But I also stayed within our budget, compared lenders and made sure the monthly payment fit comfortably into our lives.

I’ll never know whether that carefully worded postcard actually helped us get the keys. But I’m certain that our financial discipline is what’s helped us keep them.

About the author

Abby Badach Doyle has been writing about homeownership and mortgages for NerdWallet since 2022. Her work has been featured in outlets including The Associated Press, The Washington Post and The Seattle Times. From interactive tools to practical advice, Abby is passionate about making the homebuying journey less stressful — especially for first-time buyers.

As a reporter, she is interested in writing about innovative housing solutions (like co-living) and personal stories about how homeownership builds community and a sense of belonging.

Abby is also a musician, songwriter and producer who knows the challenge of balancing creative fulfillment with financial stability. In 2024, she produced a special episode of NerdWallet’s “Smart Money” podcast on how to navigate income swings in a creative career.

Abby is based in Pittsburgh, a city defined by working-class grit and neighborly spirit. When she’s not writing about personal finance, she’s at her urban homestead: playing fiddle, raising chickens and preserving the bounty from her garden.