09/22/2026
šØ **HOME BUYERS ā WHAT IF YOUR MORTGAGE RATE STARTED AT 4.50%?** š”š„
Yesā¦ **4.50% for Year 1!** š
With todayās home prices, sometimes the answer isnāt simply negotiating a lower price.
Itās about negotiating the **RIGHT FINANCING STRATEGY.**
Thatās the idea behind our **SELL IT LIKE THE BUILDER** strategy. š”š°
Instead of only reducing the price, the seller can use available concessions to help fund a **2-1 Temporary Buydown**, potentially giving a qualified buyer a significantly lower payment during the first two years.
š° **HEREāS AN EXAMPLE:**
š” Purchase Price: **$999,000**
šµ 20% Down: **$199,800**
š¦ Loan Amount: **$799,200**
š„ **YEAR 1:** 4.50% temporary rate
Approx. P&I Payment: **$4,049/mo**
š„ **YEAR 2:** 5.50% temporary rate
Approx. P&I Payment: **$4,538/mo**
š” **YEARS 3ā30:** 6.50% note rate
Approx. P&I Payment: **$5,052/mo**
š„ **DONāT JUST NEGOTIATE THE PRICE ā NEGOTIATE THE PAYMENT!**
š Watch the video to see how the strategy works.
Thinking about buying?
š² **DM me ā4.50ā** and Iāll run the numbers for your situation.
š **REALTORS:** Have a listing that isnāt moving?
DM me **āBUILDERā** and letās talk about how we can **market the financing ā not just the house.**
š„ **Donāt Just List It. SELL IT LIKE THE BUILDER.**
http://spr.ly/6187BGdz3v
**FINANCING DISCLOSURE:** Example is for advertising and illustrative purposes only and is not a commitment to lend. Example assumes a $999,000 purchase price, $799,200 loan amount (80% LTV), 30-year fixed-rate mortgage with a **6.500% note rate and estimated 6.522% APR**, and a seller-funded 2-1 temporary buydown. The temporary buydown provides a payment calculated at 4.500% in Year 1 and 5.500% in Year 2; beginning in Year 3, payments are based on the 6.500% note rate for the remaining loan term. Estimated principal-and-interest payments shown do not include property taxes, homeowners insurance, HOA dues, or other applicable housing expenses, so the actual total monthly payment will be higher. APR estimate assumes approximately $1,800 in APR-includable lender fees, no origination fee and no discount points. Actual APR and terms may vary. Borrower must qualify under applicable underwriting guidelines at the note rate. Rates, APR, programs, fees and terms are subject to change without notice. Seller concessions and temporary buydowns are subject to loan-program and lender guidelines. Not all borrowers or properties will qualify.
**David DāOnofrio | NMLS #254023**
**CrossCountry Mortgage, LLC | NMLS #3029 | Equal Housing Opportunity**
