Rate Rescue for buyers
You found the house.
Now let's make the payment work.
Buying a home isn't only about the purchase price. It's about how the payment fits your life every month after you move in.
Rate Rescue helps you evaluate how available transaction dollars could be used to improve affordability instead of automatically assuming every negotiated dollar belongs in the purchase price.
If the seller gave you $20,000, where would you put it?
01
Reduce the purchase price
02
Lower the interest rate permanently
03
Reduce the payment during the first few years
There isn't one answer that works for every buyer. That's the point. Rate Rescue helps you compare before you decide.
More breathing room when you may need it most
The first year in a new home can bring a lot more than a mortgage payment.
Moving. Furniture. Repairs. Landscaping. Improvements.
A temporary buydown can concentrate payment relief into the opening years of homeownership rather than spreading a smaller price reduction across a 30-year mortgage.
Make your negotiating dollars work harder
Getting money from the seller is only one part of the negotiation. The next question is: What should we do with it? A strong First Team agent doesn't just negotiate an amount. They help you evaluate the structure.
- Price
- Payment
- Rate
- Closing costs
- Financing strategy
The goal isn't simply to negotiate more. The goal is to make what you negotiate matter more.
Temporary Buydown
Reduces the buyer's out-of-pocket mortgage payment for a defined introductory period.
Would additional monthly flexibility during my first years of ownership help?
Permanent Buydown
Uses funds toward mortgage discount points to reduce the contractual interest rate.
Would I rather use these dollars toward a lower rate for the life of this loan?
Price Reduction
Reduces the amount paid for the property and, when financed, reduces the loan amount.
Is reducing the purchase price itself more important to me than maximizing near-term payment relief?
None of these is automatically right or wrong. Rate Rescue is designed to help you compare them.