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Mortgage Lender in Raleigh NC Shares How Sellers Can Benefit From A 2-1 Buydown

October 29, 2022 by Kevin Martini

A buydown, specifically a ‘2-1 Seller-Paid Buydown’ is an amazing buyer and seller negotiating strategy in a real estate market that is neutralizing. 

What is a ‘Seller-Paid 2-1 Buydown’?

A “Seller-Paid 2-1 Buydown” is where a seller pay a fee at the closing to reduce the interest rate on the buyer’s mortgage by 2% in year 1 and 1% in year 2. This results in temporarily lowering the buyer’s monthly payment and making the home more affordable for them.

What are the benefits of a 2-1 Buydown?

A 2-1 Buydown reduces the buyer’s interest rate and monthly payment during the first few years of homeownership, making the home more affordable for them.

It has a much greater impact on the buyer’s monthly payment than reducing the list price of the home.

This could be a great negotiating tool because a greater percentage of homes listed for sale in today’s market are seeing price reductions. A 2-1 buydown makes a listing more affordable to a wider range of buyers who may have otherwise been priced out of the market.

How does a 2-1 Buydown give a seller a competitive advantage?

When a seller offers to pay for a 2-1 buydown for a homebuyer it could give their home for sale a competitive advantage vs. other homes listed for sale in today’s changing market. This is because interest rates have gone up significantly this year, creating an affordability crisis for many potential buyers.

A 2-1 buydown could also save you the aggravation and financial loss of having to significantly reduce your list price in order to compete with other homes that may be listed for a lower price.

Let me know if you’d like for me to run some numbers to see the specific impact that this strategy could make in your situation!

Kevin Martini, mortgage lender Raleigh

3 Buydown options offered by the Martini Mortgage Group

what is a 1 0 buydown 1
what is a 2 1 buydown
what is a 3 2 1 buydown

For more information about Seller-Paid Buydowns tune into the Martini Mortgage Podcast

The Martini Mortgage Group at Gold Star Mortgage

The Martini Mortgage Group is located at 507 N Blount St, Raleigh, NC 27604 and helps families in every county in North Carolina.

Filed Under: 1-0 Buydown, 1-0 Seller Paid Buydown, 2-1 Buydown, 2-1 Seller-Paid Buydown, 3-2-1 Buydown, 3-2-1 Seller Paid Buydown, Buy a Home, buydown, Buydowns, Kevin Martini, Logan Martini, Raleigh, Real Estate, Seller Strategy, Selling Home Tagged With: Home Loan Raleigh, Mortgage Broker Raleigh, Mortgage Company Raleigh, Mortgage Lender in Raleigh NC, Mortgage Lender Raleigh, Mortgage Raleigh, Raleigh Mortgage Broker, Raleigh Mortgage Brokers, Raleigh Mortgage Companies

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    Martini Mortgage Group at Gold Star Mortgage Financial Group, Corporation | NMLS # 3446 | For licensing information go to: www.nmlsConsumerAccess.org and/or www.GoldStarFinancial.com Please review our Disclosures & Licensing information | Gold Star Mortgage Financial Group Corporation has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture or any other government agency. Equal Housing Lender. For further information about Gold Star Mortgage Financial Group, Corporation, please visit our website at www.GoldStarFinancial.com. Receipt of application does not represent an approval for financing or interest rate guarantee. Applicant subject to credit, acceptable appraisal, title, and underwriting approval. Not all applicants will be approved. Other terms and conditions apply. Contact Gold Star Mortgage Financial Group, Corporation for more information and up-to-date rates.

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