09/02/2026
Don’t just negotiate the price… negotiate the payment. 🏡💸
We’re seeing more buyers use seller-funded rate buydowns to create lower payments upfront — and in the right deal, that can make a bigger impact than squeezing out another small price reduction.
A 2-1 buydown can mean:
📉 Year 1: 2% below the note rate
📉 Year 2: 1% below the note rate
📈 Year 3+: back to the note rate
The key? Knowing how to structure the offer before you write it. 🤝
Curious what this could look like on a home you’re considering?
📲 DM us “RATE” and we’ll connect you with a trusted local lender to run the numbers for your specific scenario.