SELLER PAID BUYDOWN PROGRAMS

Reduce buyer payments without lowering your price - seller credits for temporary rate reductions

Disclaimer: This calculator is for illustrative purposes only and does not constitute a commitment to lend, an estimate of terms, or a guarantee of specific rates or loan approval. All rates, fees, and programs are subject to change without notice and borrower qualification.

Purchase Details

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Loan Details

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Monthly P&I without buydown: $0.00

HOMEOWNERS FIRST BUYDOWN OPTIONS

BUYER'S AGENTS

Winning Offers with Seller Paid Buydowns

Help your buyers win in competitive markets and qualify for higher purchase prices with Homeowners First Mortgage's Seller Paid Buydown program. Here's your complete playbook:

Why This Works for Your Buyers:
  • Create more purchasing power with reduced initial payments
  • Starting rate as low as 3.99% in year one
  • No-cost refinance option available anytime in first 3 years
  • Preserve cash for moving, renovations, or emergencies

Credit Amounts to Request:

  • 3-2-1 Buydown: $0.00 (0.00% of purchase price)
  • 2-1 Buydown: $0.00 (0.00% of purchase price)
  • 1-0 Buydown: $0.00 (0.00% of purchase price)

Sample Offer Language:

"Seller to credit Buyer $[INSERT AMOUNT] toward allowable closing costs, including a temporary interest rate buydown through Homeowners First Mortgage's Buydown Program."

Buyer Presentation Script:

"Instead of making a discounted offer, we can offer at full price and request a credit towards a seller paid buydown - that elevates our offer, and saves you money!"

Ready to help your buyer win? Let's structure the perfect buydown offer together!

SELLER'S AGENTS

Unlock Your Listing's Potential

If you're trying to win more listings or sell a house that's been sitting too long, this is the program you've been looking for! Seller Paid Buydowns can be your secret weapon to generate more interest and set your listing apart.

Why Seller Paid Buydowns Work:
  • Get 3-5x more eyes on your listing - buyers actively search for buydown properties
  • Stand out with "3.99% starting rate available" in your marketing
  • Attract payment-sensitive buyers who can now afford your price point
  • Create urgency - buyers know this offer won't be available elsewhere
  • Keep your asking price intact while offering real buyer value
  • Avoid uncomfortable price reduction conversations with sellers

Seller Presentation Script:

"Instead of reducing the asking price, we can offer a $XX,XXX buyer credit for a Seller Paid Buydown (about X.X% of purchase price) - this can help buyer affordability without touching your listing price, and it makes your listing stand out with unique financing!"

MLS Marketing Language:

"Special 3.99% Financing – Seller Paid Buydown Program on this property only. Year 1: 3.99%, Year 2: 4.99%, Year 3: 5.99%. Seller subsidized program available only on this home with preferred lender. Contact listing agent for details."

Marketing Advantage:

This strategy drives more eyeballs, showings, and stronger offers—especially from buyers who are payment-sensitive. Your home becomes the best value on the block from a monthly payment standpoint.

Ready to make your listing irresistible? Let's discuss which Buydown option works best for your seller!

Ready to Get Started?

Contact us today to learn more about seller paid buydown programs

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