A Better Tool Than a Price Cut
Published on October 2, 2026 • Read Time: 4 min read
By Hanh Dao, Branch Manager, Lock It Lending. NMLS #1406378. — Đọc bằng tiếng Việt · Leer en español
Rates are high. Here’s what we do about it.
Your Listing Has a Better Tool Than a Price Cut
A $20,000 price cut lowers a buyer’s payment by about $105 a month. A seller-paid 2-1 buydown on the same home costs the seller about half that, and lowers the buyer’s payment by $536 a month in year 1 and $275 a month in year 2.
Same listing, same seller budget, a much bigger payment drop where it actually gets a buyer to say yes.
For Your Seller
Keep the list price, spend less than a price cut would cost, and give buyers a real reason to pick this listing over the one next door.
For the Buyer
A lower payment for the first two years while they settle in. The rate for years 3 through 30 stays the same as a standard loan, so there is nothing that jumps or resets later because of the buydown.
What Lock It Lending Brings
We price it, we build the flyer for your listing, and we close on time. Send us a listing address and we will have a co-branded flyer back to you.
Get Your Co-Branded Flyer
Send a listing address to Hanh at hanh@lockitlending.com or call (866) 400-6789, and we will price a seller-paid 2-1 buydown for that home and send back a flyer with your name and logo on it.
Want the version written for your buyers instead? See what a 2-1 temporary rate buydown is and how it works for them. You can also visit our loan programs or call (866) 400-6789.
Want to see this run on a real listing? Here's the flyer and the numbers from a Galveston listing.