Latest Articles
The Seller Bought Down Your Rate. What Happens When the Discount Disappears?
A seller-funded temporary buydown can reduce your initial mortgage payment, but the underlying note rate doesn’t disappear. Here’s how a 2-1 buydown works, what happens when the temporary subsidy ends, and what buyers should compare before saying yes.
Jennifer Chicano40FHA Elite: A Flexible Financing Option for Today’s Homebuyers
FHA Elite offers qualified homebuyers a flexible FHA financing option with fixed-rate mortgages, a 640+ FICO requirement, and temporary rate buydown availability. The program can work for first-time and repeat buyers purchasing eligible primary residences, including single-family homes, condos, PUDs
Anthony Angelillo70Don't Wait on Rates: Use Seller Concessions to Buy Now
High rates shouldn't stop your home search. Seller concessions can slash your closing costs and buy down your rate — and you can refinance later when rates…
Marcel Garcia160Higher Rates, Better Deals: Buyers May Have an Edge
Seattle and Eastside homebuyers: waiting for lower rates invites more competition and less leverage. See what's possible before you decide to wait.
Tami Bill1660Seller Credits vs. Price Reductions: Which Saves Homebuyers More?
A seller credit may provide significantly more upfront savings than a price reduction. Learn how seller credits, price reductions, permanent rate buydowns, and temporary buydowns compare before deciding how to structure the deal.
Josh Penland7011Why a Price Drop May Cost You More Than a Rate Buydown
Dropping your asking price cuts your equity dollar-for-dollar. A seller-funded rate buydown fixes the buyer's monthly payment—often for far less.
Dave Shelor420August 2026 Seattle Mortgage and Homebuyer Update
Mortgage rates remain elevated, but Seattle-area buyers may have more negotiating leverage than they realize. Here’s what buyers should know about current rates, VantageScore 4.0 and a limited-time 1-0 temporary-buydown opportunity.
Lance Morgan310Should You Pay Points to Lower Your Mortgage Rate?
A lower mortgage rate isn't automatically a better deal. Learn how mortgage discount points work, how to calculate your break-even point, and when paying more upfront for a lower rate may—or may not—make financial sense.
Dave Cook110Smart Strategies for King & Pierce County Home Buyers
Learn how to use seller concessions and rate buydowns to lower your monthly mortgage payments in today's King and Pierce County markets.
Walter and Emily Howard The Howard Team at Fairway Home Mortgage NMLS 85438 & 163338960
