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(Calculator attached) Rates Are Up. Your Buyers Have Options. 2/1 Buydown spreadsheet
Rising interest rates are real — but they don't have to kill a deal. The smartest move in today's market?
Seller-paid mortgage buydowns. When your buyers know this tool exists, the conversation changes completely.
The seller contributes funds at closing to temporarily reduce the buyer's interest rate. It's a win-win: buyers get lower payments in the early years when it matters most, and sellers move their property in a tighter market.
2/1 Buydown
Two years of rate relief:
Year 1 Rate – 2%
Year 2 Rate – 1%
Year 3+ Full rate
So If your client locks in a 6.75%. The rate the first year would be 4.75% and the second year would move up to 5.765%
Why this conversation matters:
- Buyers feel the rate shock — give them a path forward
- Sellers can offer a buydown instead of dropping the price
- Lower payment in Year 1 can help buyers qualify more easily
- Buyers can refinance if rates drop — they aren't locked in forever
- This tool separates informed agents from the rest
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(Calculator attached) Rates Are Up. Your Buyers Have Options. 2/1 Buydown spreadsheet
skool.com/dbr
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