THE COST TO CLOSE

INTEREST RATE BUY DOWNS

LISTING FIRST RATE LOCK PROGRAMS

  1. CMG Home Loans — List & Lock

    • Seller reserves a discounted mortgage rate before identifying the buyer

    • Rate is connected to the listed property

    • Seller contribution helps fund the buyer’s rate reduction

    • Program website

  2. CrossCountry Mortgage — CCM Lock2Sell

    • Property-specific rate lock for up to 60 days

    • Seller-funded permanent rate reduction

    • Program website

  3. Guild Mortgage — LockNow and Sell

    • 60-day rate-sheet lock

    • Requires a seller credit and program fee

    • Program website

  4. Movement Mortgage — Secure & Sell

    • Rate protection for up to 120 days

    • Seller can fund the buydown before receiving an offer

    • Program website

  5. Rate — Lock N’ Sell

    • Forward-rate commitment for a future buyer

    • Confirm availability for resale listings

    • Company website

  6. American Pacific Mortgage — Seller PreLock

    • Property-specific forward lock for up to 90 days

    • Conventional, FHA and VA financing

    • Program website

  7. Supreme Lending — Lock N’ List

    • 90-day property rate lock

    • Combines the lock with a 2-1 temporary buydown

    • Program website

  8. Fairway Home Mortgage — Lock It & List It

    • Designed to reserve financing terms before identifying a buyer

    • Current availability and terms must be confirmed locally

    • Company website

SELLER FUNDED BUYDOWN PROGRAMS

  1. TowneBank Mortgage — Seller-Paid Buydowns

  2. Atlantic Bay Mortgage Group — Lend It Back

  3. Embrace Home Loans — Seller-Paid Buydown

  4. NFM Lending — Seller-Funded Rate Buydown

    • Seller concessions may fund permanent discount points or temporary buydowns

    • Company website

  5. PrimeLending — Temporary Buydown

Buyer-First Rate-Lock Programs

  1. Prosperity Home Mortgage — Lock, Shop & Home

  2. Pennymac — Lock & Shop

Seller Paid Interest Rate Buy-Downs