Before you cut the price a third time.
About one in four Florida listings is taking a price cut right now, and days on market keep climbing. There is another lever, and most sellers do not know it exists.
What I bring to your deals
- I answer during the file, not just before it
- Milestone updates so you never chase me
- Programs for the buyers other lenders send back
- Buydown scenarios on your specific listing
- Co-branded material where compliance allows
Compete on the monthly number, not the sticker.
Buyers are not walking away from your listing because of the price on the sheet. They are walking away because of what the payment does to their budget. A seller- or builder-funded temporary buydown attacks that number directly.
The comp stays intact
A price cut is permanent and public, and it drags the next listing on the street down with it. A concession structured as a buydown does not reset the sale price.
It answers the real objection
Most stalled deals are payment problems wearing a price-problem costume. Lowering the early payment addresses what the buyer is actually reacting to.
It creates urgency you can use
A concession tied to a specific structure gives your listing something to say in the marketing beyond "reduced," which every third listing already says.
Keep the deal instead of losing the client.
When a buyer gets declined, the transaction usually dies and so does the relationship. A lot of those files were reviewed against one set of guidelines using one document. Different programs read income and property differently.
- Self-employed buyers with heavy write-offs
- Investors capped out on debt-to-income
- International buyers with no U.S. credit file
- Buyers whose only obstacle is the down payment
- Buyers looking at property that needs work
Send me a scenario
The listing and a rough buyer profile is enough to start. I’ll show you what the structure looks like on your property, in writing, so you can put it in front of your seller.
Send a listingAgent questions
What is a temporary buydown?
A structure where the seller, builder, or another party funds a reduction in the buyer’s payment for an initial period of the loan. It lowers what the buyer pays each month early on, which is the number most buyers are actually shopping.
Why would a seller do this instead of cutting the price?
A price cut permanently resets the comp for that property and often for the neighborhood. A buydown addresses the buyer’s monthly payment concern directly, which is usually the real objection, without changing the recorded sale price.
Do buydowns work on new construction?
Builders sitting on finished inventory often have forward-commitment structures that do a similar job at scale. If you represent buyers in new construction, this is worth understanding in detail.
What do you need from me to run scenarios?
The listing and a rough buyer profile is enough to start. I will show you what the structure looks like on your specific property.
Do you co-brand marketing for listings?
Yes, within what compliance allows on both sides. Send me the listing and we will sort out what we can produce.
Let’s look at your listing.
Send it over and I’ll run the scenario. If a buydown isn’t the right answer for that property, I’ll tell you that too.