SWIFT MORTGAGE
Make the Market Not Matter
The seller-credit strategy

Don’t wait for the market. Make the payment work now.

A seller-paid temporary buydown can cut your payment by hundreds a month in the years it matters most — for the same seller dollars as a price cut that barely moves it. Run your own numbers below.

Buydown calculator — temporary vs. permanent

Pre-filled with a training example ($600,000 loan at 7.25%). Replace every number with your own — these are example inputs, not a rate quote.

The honest guardrail: a temporary buydown only works if you can comfortably afford the full payment when it expires — . If that payment doesn’t fit, the right move is a smaller home, more cash to closing, or waiting. We’ll tell you that straight.

How to use a seller credit — three ways

  • Payment relief (temporary buydown): the credit funds an escrow that subsidizes your payment in years 1–2 (or 1–3). Biggest relief, right away.
  • Cash relief: the credit covers closing costs instead, so you bring less cash to the table.
  • Permanent reduction: the credit buys the rate down for the life of the loan — a smaller monthly win that never expires, and the better answer if you’ll keep the loan a long time.

Most buyers blend: enough credit to fund the temporary buydown, the rest to closing costs. Your loan officer should show you all three on one page — like the table above — before you write an offer.

For listing & buyer’s agents

Don’t cut the price. Cut the payment.

Buyers don’t buy prices — they buy payments. The same seller dollars do far more work as a rate buydown credit than as a price reduction. Prove it on your own listing below.

Price cut vs. seller credit — same seller cost, very different buyer payment

Pre-filled with a training example: holding $1,400,000 with a $50,000 credit vs. cutting to $1,350,000. Replace with your listing’s numbers.

Talking points for your next listing conversation

  • Same money, different result: a price cut and a buydown credit cost the seller the same dollars. Only one of them changes what the buyer pays every month in year one.
  • Protect the comp: holding price with a credit keeps the recorded sale price — and the neighborhood comp — higher.
  • Put it in the remarks: “Seller offering a rate buydown credit — ask us how low the first-year payment can go” gives buyer’s agents something concrete to show their clients.
  • Open-house ready: run this page on your listing’s numbers and print the table — a year-1 / year-2 / year-3+ payment sheet answers the question every visitor actually asks.
  • The guardrail we give buyers: we only structure a buydown when the buyer can afford the payment after it expires. Structured right, it’s a bridge — not a trap.

Run it on a real home, with a real loan officer

A Swift Mortgage loan officer will build this exact comparison on your scenario — temporary, permanent, and blended — in one short call.

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