Rate Rescue for sellers
Before you reduce the price,
run the payment.
If your home isn't getting the response you expected, another price reduction may be one option. But it isn't the only one.
Before reducing your asking price, your First Team agent can help analyze whether the same dollars could potentially create a more noticeable affordability benefit when directed toward the buyer's financing.
Your buyer experiences the payment every month.
A seller might consider: "Let's reduce the price $25,000."
Before doing that, ask: "What does $25,000 off the price actually do to the buyer's monthly payment?"
Then ask: "What could that same $25,000 do if structured as an eligible financing concession?"
Make a strategic decision before automatically reducing the price.
Same cost. Different impact.
Same dollars. Different impact.
A $25,000 price reduction costs the seller $25,000.
A $25,000 seller financing concession can also cost the seller $25,000.
But those two strategies may create very different monthly outcomes for the buyer.
Help solve the payment problem without automatically cutting the contract price.
A financing concession may allow you to maintain the negotiated contract price while directing agreed-upon dollars toward eligible buyer financing costs. That doesn't mean it will always be the right strategy. It means that before automatically making another price reduction: we should compare the alternatives.
Market affordability, not just the house.
See what my proposed price reduction could do
Seller view · 2-1 modeledFIRST TEAM RATE RESCUE SCENARIO
Educational estimate prepared 10/3/2026. Not a loan quote.
- Purchase Price
- $1,300,000
- Down Payment
- $130,000 (10%)
- Rate Used in This Scenario
- 7.28% · National reference rate
- Seller Contribution
- $26,953
- First Team Rate Rescue
- $5,000
- Total Modeled Financing Funds
- $31,953
- Loan Amount
- $1,170,000
- Baseline P&I
- $8,005/mo
Reference observation date: October 1, 2026 · Source: Freddie Mac Primary Mortgage Market Survey, retrieved via FRED.
Seller dollars and the First Team Real Estate contribution are shown separately. The First Team contribution applies only to Option C.
Educational estimate
Before you reduce the price, run the payment.
Purchase price
$1,300,000
Loan amount
$1,170,000
Contract rate
7.28%
Baseline P&I
$8,005/mo
First Team added $5,000 to this modeled affordability strategy.
You were already considering giving up $26,953. Here's what happens when we change where those dollars go, and here's what First Team may add.
Reduce the price
Monthly P&I reduction
$166
Seller-funded financing strategy
Almost there
Try a smaller structure, or talk with a Rate Rescue professional.
First Team Rate Rescue
Year 1 P&I relief
$1,523/mo
The First Team contribution exists only in the qualifying Rate Rescue structure and is not available as a price reduction.
Payment timeline
| Year | Rate | Baseline P&I | 2-1 P&I | Relief /mo |
|---|---|---|---|---|
| Year 1 | 5.28% | $8,005 | $6,483 | $1,523 |
| Year 2 | 6.28% | $8,005 | $7,227 | $779 |
| Year 3+ | 7.28% | $8,005 | $8,005contractual | — |
Equivalent price reduction
What price reduction would create approximately the same Year 1 P&I impact as the 2-1?
$247,282
This does not mean the strategies have the same long-term financial value. This comparison illustrates first-year principal-and-interest payment impact only.
Permanent buydown · Educational estimate
Seller funds only
6.704%
$452/mo lower P&I
With Rate Rescue
6.597%
$535/mo lower P&I
Assumes 0.25 percentage points per discount point. Mortgage discount-point pricing changes with market conditions and borrower-specific factors. This is an educational model, not a live lender quote.
Cumulative Payment Relief
| Year | Price reduction | Permanent buydown (est.) | Temporary buydown |
|---|---|---|---|
| Year 1 | $1,992 | $6,421 | $18,273 |
| Year 2 | $3,983 | $12,843 | $27,615 |
| Year 3 | $5,975 | $19,264 | $27,615 |
| Year 5 | $9,958 | $32,106 | $27,615 |
| Year 7 | $13,942 | $44,949 | $27,615 |
| Year 10 | $19,917 | $64,213 | $27,615 |
This chart compares modeled mortgage-payment relief only. It does not capture every difference in loan balance, equity, transaction costs, taxes, or future refinancing.
Traditional
PRICE REDUCED $26,953
Alternative modeled affordability message
Seller offering financing assistance that could reduce an eligible buyer's first-year P&I payment by approximately $1,523 per month.
Subject to buyer financing, lender approval, allowable concessions, and program requirements.
Which matters most to you?
A First Team professional can review your actual property, terms and financing.
Estimates are for educational purposes only and are not a loan quote, approval, or commitment to lend. Payments shown are principal and interest unless noted. Actual loan pricing, payments, taxes, insurance, qualification, allowable concessions, program eligibility and available buydown structures vary and must be confirmed by a lender. Seller concessions are negotiated and not guaranteed. The Rate Rescue contribution is provided by First Team Real Estate.