09/25/2026
🚨 BUYER & SELLER ALERT! 🚨
I was talking with Mike Sanchez with Rate Mortgage this morning while we were strategizing an offer for one of my VA buyers, and he walked me through the numbers on a 2-1 buy down. I was blown away by how much it could reduce a buyer’s monthly payment during the first two years.
In this example:
Year 1: approx $798 less per month
Year 2: approx $409 less per month
Total temporary buy down benefit: approx $14,483
And here’s the part SELLERS should pay attention to…
If your home is sitting on the market, a 2-1 buy down can be a great incentive to offer a buyer instead of automatically going straight to another price reduction.
Sometimes getting creative with the terms can make a home much more attractive because buyers are often focused on one major thing:
What is my monthly payment?
A huge thank you to Mike Sanchez at Rate Mortgage for walking me through this strategy and helping me look at different ways to structure an offer for my buyer. This is exactly why I love having strong lending partners who are willing to brainstorm and find solutions. 🏡
Before you reduce the price again, it may be worth asking: could we use that money to help lower the buyer’s payment instead?
Example is for illustration purposes only. Loan terms, rates, seller contribution limits, qualification requirements and savings will vary. Always speak with a licensed lender about your specific scenario.
