Is your property sitting on the market longer than you expected?

Or maybe you’ve been waiting for interest rates to drop before buyers feel ready to commit?

You’re not alone, and the good news is, there’s a tool you can use right now to give your listing an edge.

It’s called a Seller-Paid Rate Buydown, and it’s one of the simplest ways to make a home more attractive to buyers without having to slash the asking price.

What’s a Seller-Paid Buydown?

A buydown lets the seller contribute toward lowering the buyer’s mortgage interest rate. That lower rate means lower monthly payments, which immediately makes the home feel more affordable, and that’s a huge motivator for buyers.

Think of it as giving buyers “tomorrow’s rates today.”

Flexible Options for Sellers

You’re not locked into just one approach. A buydown can be:

Permanent – The rate stays lower for the life of the loan (up to 30 years).

1–3 Year Temporary – The rate is reduced just for the first few years, easing buyers into homeownership while still giving them breathing room on payments.

Why It Works

In today’s market, buyers are cautious. A Seller-Paid Buydown can:

Spark more buyer interest.

Nudge hesitant buyers into making an offer.

Help homes sell faster — without major price cuts.

The Bottom Line

If your home isn’t moving as quickly as you’d like, a Seller-Paid Buydown could be the strategy that tips the scales in your favor. It’s all about making the numbers work better for today’s buyers — while still getting you the sale you’re looking for.

Curious if this could work for your listing? Reach out and let’s talk through the options.