There’s a powerful alternative to cutting home prices that many sellers and agents overlook. It’s called a permanent mortgage buydown . Here’s how it works: Instead of reducing the home’s price by, say, $10,000 or $15,000, that same amount can be used to lower the buyer’s interest rate permanently. This means their mortgage payment stays lower for the entire life of the loan. At a time when affordability is top of mind, this strategy can make a home far more attractive to buy

In my 30 years of mortgage experience, I’ve seen a consistent truth—agents who understand how financing works are the ones closing the most deals. It’s not just about showing homes or writing offers. It’s about understanding the numbers behind the deal and knowing how to position a buyer for success. That’s why I started hosting small, hands-on workshops for Realtors and brokers. We sit together, share real scenarios, and break down financing strategies that make offers stron