09/22/2026
Could a seller-funded rate buydown help your Naples home stand out?
When mortgage rates are affecting monthly payments, sellers may have another strategy to consider besides price alone: helping a financed buyer reduce the cost of their mortgage.
• A temporary buydown can lower the buyer’s monthly payment during the first few years of the loan.
• A permanent buydown reduces the interest rate for the life of the loan, providing longer-term payment savings.
Which approach makes sense depends on the buyer, the financing and the terms of the offer. Seller-funded buydowns also need to be coordinated with the buyer’s lender and must meet applicable loan-program guidelines.
A buydown isn’t right for every sale, but it can be another tool worth considering when positioning a home in today’s market.
Thinking about selling in Naples? I’m happy to help you explore the strategies that may make the most sense for your home.