Purchase Details
Loan Details
Rate Relief Options
BUYER'S AGENTS
Winning Offers with Rate Relief
Help your buyers win in competitive markets and qualify for higher purchase prices with Ethos Lending's Rate Relief program. Here's your complete playbook:
Why This Works for Your Buyers:
- • Create more purchasing power with reduced initial payments
- • Starting rate as low as X.XX% in year one
- • No-cost refinance option available anytime in first 3 years
- • Preserve cash for moving, renovations, or emergencies
This credit must be written into the purchase contract in order for your buyer to benefit from the lower monthly payments in the early years of the loan.
Credit Amounts to Request:
- 3 Year Rate Relief: $28,988.81 (3.62% of purchase price)
- 2 Year Rate Relief: $14,743.76 (1.84% of purchase price)
- 1 Year Rate Relief: $4,993.94 (0.62% of purchase price)
Sample Offer Language:
"Seller to credit Buyer $[INSERT AMOUNT] toward allowable closing costs, including a temporary interest rate buydown through ETHOS Lending's Rate Relief Program."
Buyer Presentation Script:
"Instead of making a discounted offer, we can offer at full price and request a credit towards Rate Relief - that elevates our offer, and saves you money!"
Ready to help your buyer win? Let's structure the perfect rate relief offer together!
SELLER'S AGENTS
Unlock Your Listing's Potential
If you're trying to win more listings or sell a house that's been sitting too long, this is the program you've been looking for! Rate Relief can be your secret weapon to generate more interest and set your listing apart.
Why Rate Relief Works:
- • Get 3-5x more eyes on your listing - buyers actively search for rate relief properties
- • Stand out with "X.XX% start rate available" in your marketing
- • Attract payment-sensitive buyers who can now afford your price point
- • Create urgency - buyers know this offer won't be available elsewhere
- • Net close to list price while offering the best monthly payment value
Seller Presentation Script:
"Instead of reducing the price by $XX,XXX, we can offer a $XX,XXX buyer credit for rate relief (about X.X% of purchase price). This increases buyer affordability without touching your price and makes your listing stand out with special below-market rates."
MLS Marketing Language:
"Special X.XX% Financing - Rate Relief Program on this property only. Year 1: X.XX%, Year 2: X.XX%, Year 3: X.XX%. Seller subsidized program available only on this home with preferred lender. Contact listing agent for details."
Marketing Advantage:
This strategy drives more eyeballs, showings, and stronger offers - especially from buyers who are payment-sensitive. Your home becomes the best value on the block from a monthly payment standpoint.
Ready to make your listing irresistible? Let's discuss which Rate Relief option works best for your seller!