Unique Options
Beyond choosing a loan, the right structure can save you thousands. These unique options and strategies help you win in competitive markets, lower your payment, or reduce your cash to close — ask me which ones fit your situation.
Strategies Worth Knowing About
- Temporary Buydown (2-1, 1-0 buydowns) — the seller or builder pays to lower your interest rate for the first one or two years, easing you into the full payment — a great negotiating tool in today’s market
- Lock Your Rate While You Shop — secure today’s rate while you continue house hunting, so a market swing doesn’t price you out of your dream home
- Broker Fees Financed — roll eligible broker compensation and closing costs into your loan structure to reduce the cash you need at closing
Why It Matters
Most borrowers only compare rate and lender fees. The structure of your loan — buydowns, lock timing, how costs are paid — can matter just as much. As your broker, I’ll run the numbers on these strategies and show you the real bottom-line impact before you commit.