Permanent Mortgage Buydown: Lower Payments Forever

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 buyers—without sacrificing the seller’s bottom line.

Instead of lowering the price of a home, which most people do these days, you can have the seller take the same money and buy the rate down to make it more affordable, and it’s a permanent buydown. That interest rate stays for the duration of the mortgage.

It doesn’t change next year or the year after. It stays there.

If you’re looking for creative solutions to help more buyers say “yes,” this could be the strategy that sets your listings apart.

Racheli RefaelFairway HOME Mortgage | NMLS #64918📞 954-800-0330🌐 rachelimortgageteam.com

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