Your next step
Make room for your next chapter.
Bring the sale timing, equity, and next payment into one plan. Compare seller credits, temporary buydowns, and points before deciding.
Keep the whole picture in view
A plan that fits your situation.
Selling one house to buy the next is a timing problem as much as a loan problem. Equity from the sale, a HELOC on the current house, and a buydown or seller credit on the next one can all be true at once. The comparison is which path keeps a payment you can live with if the sale takes longer than the contract assumes.
- Letter sized to the next contract, not last year’s pre-qual
- Buydown vs points vs seller credit on one screen
- Compare financing with the timing of your home sale
A useful place to start
Buydown & points
Compare a temporary 2-1 buydown with an illustrative permanent rate reduction and available seller credit.
Year one monthly P&I—
Year two monthly P&I—
Year three onward—
Monthly P&I with one point—
Cost of one point—
2-1 buydown cost—
One-point break-even—
Credit covers 2-1?—
Models a 30-year loan with principal and interest only. A 2-1 buydown reduces the payment rate by two percentage points in year one and one point in year two. One point costs 1% of the loan; the rate reduction is an input, not a guaranteed exchange. Actual program and seller-credit limits apply.
A real person. A clear next step.
A number is a start. Let’s make a plan.
Bring your questions and the numbers you’re working with. Brandon will help you understand the options and decide what comes next.
