Buyers Buy Payments, Not Rates: Buydowns, ARMs and Seller Financing for Real Estate Agents

Real Estate Coaching Radio · Oct 29, 2026 · 29m

There are many ways to a better rate, and most buyers only know about one. In this episode, we share the script for buyers who want to wait for rates or wait for spring, and what waiting could cost them. Buyers don't buy rates, they buy payments, so we show you how ARMs, a 2-1 buydown and permanent buydowns lower the payment, and how owner financing and a seller-carried second widen the buyer pool for your listings.

We also cover a possible mini housing boom this November and December, why all-cash luxury buyers are increasing, asking expired sellers about owner financing, and an eight-figure…