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Repairs or Credits? How to Choose the Smarter Option in Las Vegas Real Estate

Written by Kimberly Smith - Your trusted Las Vegas Real Estate Queen



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When a home inspection in Las Vegas reveals needed repairs, both buyers and sellers face an important question: should the issue be fixed before closing, or should money be offered as a credit instead?

This decision can shape how quickly a deal closes, how satisfied both sides feel, and whether negotiations stay on track. Here’s a clear breakdown of what Las Vegas home buyers and sellers need to know to make the smarter choice.


1. Understanding the Repair vs. Credit Dilemma

After inspections, buyers often request repairs for problems uncovered in the home. Sellers then have a choice:

  • Complete the repairs before closing.

  • Offer a financial credit to the buyer at closing.

Each option has pros and cons, and the “right” choice depends on timing, costs, and the comfort level of both parties.

💡 Real Estate Queen Tip: Negotiations don’t have to be adversarial — both paths can keep deals alive if handled with strategy.


2. The Case for Repairs Before Closing

Repairs may seem like the straightforward option: fix the problem and hand over the keys.

Advantages of repairs:

  • Buyers walk into a home that feels move-in ready.

  • Repairs may build goodwill and trust.

  • Some lenders may require certain issues (like safety hazards) to be fixed before closing.

Drawbacks of repairs:

  • Contractors may have long wait times, delaying closing.

  • Sellers may choose cheaper fixes that buyers don’t love.

  • Added stress of managing work on a tight timeline.


3. The Case for Credits Instead of Repairs

Credits are increasingly popular in Las Vegas transactions, especially in competitive markets.

Advantages of credits:

  • Faster closings, since no repair delays.

  • Buyers get control over contractor choice and quality.

  • Sellers avoid the hassle of managing last-minute work.

Drawbacks of credits:

  • Buyers must handle repairs themselves after moving in.

  • Some lenders limit how much credit can be applied to closing costs. Many FHA loans, for example, allow up to 6% of the sales price to be used as a seller concession toward buyer closing costs. Conventional loan limits vary based on the down payment — often ranging from 3% to 6%. For Las Vegas buyers, this means credits are best reserved for significant repairs rather than small cosmetic items.

💡 Real Estate Queen Tip: Credits often win because they balance speed for sellers with choice for buyers.


4. When Repairs Become Non-Negotiable

Not every issue can be brushed aside with a credit. Some problems demand immediate repair to satisfy safety standards or lender requirements. These include:

🚨 Electrical hazards or fire risks🚨 Significant roof or HVAC failure🚨 Mold, asbestos, or water damage🚨 Structural issues, like foundation cracks

In these cases, sellers may need to make the repairs — or risk losing the deal altogether.


5. How Kimberly Smith Guides Clients to the Right Choice

Choosing between repairs or credits isn’t just about money — it’s about strategy. As a Las Vegas Realtor®, I help clients:

  • Evaluate whether repairs or credits make the deal smoother.

  • Understand how Nevada contracts set deadlines for responses and agreements.

  • Protect their bottom line while keeping the deal alive.

  • Avoid common mistakes that can stall or kill a transaction.

With my 5 Star Approach — Quality advice, Understanding of both sides, Excellence in negotiation, Efficiency in process, and a No Nonsense focus on closing — I make sure clients get clarity, not conflict.


Final Thoughts

For Las Vegas home buyers and sellers, deciding between repairs or credits can mean the difference between a stressful transaction and a successful closing.

Repairs may create trust and move-in readiness, while credits keep deals efficient and give buyers freedom. The smartest choice depends on the home, the timing, and the priorities of both sides.


👑 Kimberly Smith is a top Las Vegas Realtor known for her sharp market insight, strategic approach, and commitment to helping clients move smart—whether buying, selling, or just exploring what’s next. She’s not just a local expert—she’s The Real Estate Queen of Las Vegas.

📞 Connect with Kimberly:📍 Serving Greater Las Vegas | 🏡 Luxury + Residential

📲 702-706-5885

📱 Follow on Instagram: @realestatequeenoflasvegas


 
 
 

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