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Mortgage Rate Buydowns for Real Estate Agents: How to Lower Buyer Payments in 2026
Most buyers are not actually waiting for a lower mortgage rate.
They are waiting for a monthly payment they can afford.
In this episode, Tim and Julie Harris explain how real estate agents can help buyers and sellers think beyond the advertised interest rate. They break down permanent mortgage rate buydowns, temporary 2-1 buydowns, seller concessions, adjustable-rate mortgages, builder incentives, refinance strategies, and assumable loans.
You will learn why negotiating the cost of financing can be more effective than negotiating only the purchase price, how listing agents can compete with…
The skinny
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