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Seller Buy-Down Program

The Home You Toured May Be More Affordable Than You Think

See how seller concessions may help you secure a mortgage rate as low as 4.99% and lower the monthly payment on the home you just toured.

Complete Your Mortgage Application

Takes about 10 minutes. No obligation.

Rates and eligibility vary. See disclosures below.

Happy buyers celebrating in front of their new home Savings growing toward a home purchase

So, What Is a Seller Buy-Down?

A seller buy-down uses an agreed-upon seller concession to help reduce your mortgage rate.

Instead of looking at the home only through today's standard rate, Miles can show you whether a seller buy-down gives you a better way to structure the purchase.

1

Start With the Home

You find a home you're interested in purchasing. From there, we'll look at the property and help determine how the financing might be structured around your goals.

2

Structure the Seller Concession

If the transaction and loan program allow it, seller funds are negotiated as part of the purchase. Those funds can then be allocated toward eligible costs based on the terms of the loan and the agreement with the seller.

3

Put It Toward Your Rate

The funds may then be used to reduce your mortgage rate and, in turn, your monthly payment. The result is a financing structure that may make the home fit your monthly budget differently than it would at the standard market rate.

See What [Property Address] Could Look Like With a Seller Buy-Down

THIS HOME MAY QUALIFY FOR A SELLER-PAID RATE BUY-DOWN AS LOW AS 4.99%.

Complete your mortgage application and Miles will show you exactly what the numbers could look like for this property, including your estimated monthly payment.

See What a Rate as Low as 4.99% Could Mean for You

Without Seller Buy-Down

Rate

7.25%*

Estimated Monthly Payment

$2,980

With Seller Buy-Down

Rate

As low as 4.99%

Estimated Monthly Payment*

$2,415

Potential Difference

$565/month

Example scenario. Not a quote or guarantee.

Your actual numbers depend on your loan amount, property, qualifications, seller contribution, and available program terms.

Miles Lamborne, Mortgage Advisor

I'd Rather Show You the Numbers Than Sell You a Rate.

I'm Miles Lamborne.

Before I recommend a mortgage, I want to understand your financial situation, your goals, and what you're trying to accomplish with the home you're buying.

Then we can compare the options and see what makes the most sense.

The Seller Buy-Down Program is one strategy we can explore to see whether the home you toured fits your budget differently than you first thought.

And if it does, I'll make sure you understand exactly why.

Let's See What This Home Looks Like With Your Real Numbers

The home you toured may fit your budget differently once you see the financing options available to you.

Complete your mortgage application and Miles will help you see what your Seller Buy-Down options could look like.

Questions About Seller Buy-Downs?

It's a financing strategy where an agreed-upon seller concession may be used to help reduce the buyer's mortgage rate.
No. Rates, terms, loan programs, borrower qualifications, property details, and market conditions all affect what is available.
No. Seller concessions are negotiated as part of the transaction and are subject to applicable loan and program guidelines.
That depends on your specific loan, rate, home price, seller contribution, and qualifications. Your mortgage application gives Miles the information needed to show you your actual numbers.
No. The goal is to compare your available mortgage strategies and determine which option fits your situation and long-term goals.
Complete the mortgage application so Miles can review your numbers and determine which options may be available to you.

Rates, terms, and eligibility for the Seller Buy-Down Program are subject to underwriting approval, applicable loan and program guidelines, borrower and property qualifications, seller contribution limits, and market conditions. A 4.99% interest rate is not available to all borrowers or for all loan scenarios. Not all buyers or properties will qualify. This is not a commitment to lend. Contact Lamborne Lending for current rate information, applicable costs, APR, terms, and complete program details.

Miles Lamborne | NMLS #460617

Equal Housing Lender. Company licensing information available upon request.

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