"Seller Credits + 2-1 Buydowns"
Affordability tip for first-time buyers (especially in today’s market): ask about seller credits and 2-1 buydowns.
Many buyers don’t realize this but depending on the property and negotiation… sellers may offer concessions that can help reduce the cost of buying a home.
Two common strategies we may explore (when available) are:
Seller credits — can sometimes reduce your out-of-pocket closing costs Seller-funded 2-1 temporary buydowns — can lower the interest rate for the first two years, reducing the initial monthly payments
A 2-1 buydown can be a great tool because it gives you:
• lower payments early on
• time for income growth
• flexibility if refinancing becomes beneficial later
This is where having a strong Realtor + lender team matters — because these strategies need to be structured correctly from the beginning.
If you’re buying in the Central Valley or anywhere in California and want to understand what’s realistic for your situation, I’m happy to walk you through options.
For more detailed information Click Here
Rob Clark
Mortgage Loan Officer | Firestone Financial Group
209-227-7745 | 559-476-9279
rbrtclark53@gmail.com
https://www.robertclarkloans.
NMLS #357788 | California DRE #01148307
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