10/30/2026
High Rates? Let's Make the Monthly Payment Work.
Realtors, in today's market, the right financing strategy can be just as important as the right listing price.
With mortgage rates remaining challenging, some sellers and builders are offering incentives to attract buyers. But before recommending another price reduction, consider a different approach: a temporary rate buydown.
💡 A Price Cut vs. a Rate Buydown
Here's an illustration shared by AMS Mortgage President Michael Kovary:
On a $500,000 mortgage at a 7.25% note rate:
$20,000 price reduction: Approximately $100 in monthly payment savings.
3-2-1 temporary rate buydown: Approximately $950/month in savings during year one, $650/month in year two, and $330/month in year three.
A smaller 1-0 buydown may also offer meaningful first-year payment relief at a lower upfront cost.
The key difference? A temporary buydown can make the initial monthly payment more attractive without requiring a larger price reduction.
Buyers must still qualify at the full note rate, and payments increase as the temporary buydown expires.
🤝 More Ways to Help Your Buyers Close
As your mortgage broker partner, I can help you explore:
✅ Seller-paid or lender-paid temporary buydowns, where available.
✅ Builder incentives and seller concessions to improve affordability.
✅ Non-QM financing for self-employed buyers and investors.
✅ Fresh financing scenarios for buyers who previously put their plans on hold.
📲 Have a Listing That Isn't Moving or a Buyer Who's Hesitating?
Before cutting the price or losing the deal, let's compare the numbers.
Call or WhatsApp me at 201-279-9530.
You bring the opportunity. I'll help you structure the financing strategy.
Rafael M. ParejaMortgage Loan Originator
AMS Mortgage Services Inc.
NMLS #2421509
📞 201-279-9530
