- ✓Through June 30, Keith's company is covering the cost of a 1-0 buydown at no charge to the buyer or seller.
- ✓A 1-0 buydown lowers the buyer's rate by one full point in year one, saving roughly $3,000 to $3,800 on a $400,000 home.
- ✓The seller does not need to contribute anything. No negotiation required.
- ✓Agents can walk into a listing, write at or near full price, and hand the buyer a lower first-year payment as a free bonus.
- ✓If you have buyers who went quiet after pre-approval, one three-way Zoom call showing the side-by-side numbers turns most of them back into live buyers.
This deal still stings.
Not because anyone was unreasonable. Not because the agent did anything wrong. Because the math just didn't work.
Until now.
The Deal That Fell Apart
Buyer was solid. Pre-approved, motivated, found the house they wanted.
But the payment was just a little too high.
Not by a lot. Just that tiny gap between "let's do this" and "I don't know, let me think about it."
We needed the seller to cover a 1-0 buydown to make the numbers work.
The seller said no.
Not because they were jerks. They were already in for about 3% and they weren't moving. Nothing left to negotiate.
So the gap just sat there. Ugly. Unmovable.
Deal fell apart.
Here's What Kills Me
If that same deal happened today, it wouldn't have fallen apart.
Because right now, through June 30, my company is covering the cost of the 1-0 buydown ourselves.
Not rolled into the rate. Not buried in fees. We just eat it.
That means your buyer's first year of payments are calculated at a rate one full point lower than what they lock.
More Closings. Fewer Financing Surprises.
Tired of deals dying because your buyer's lender dropped the ball? Keith is the mortgage partner listing agents call when they need deals protected, difficult files approved, and buyers who show up pre-qualified.
On roughly a $400,000 home, that's about $3,000 to $3,800 in first-year payment relief, handed to your buyer for free.
The seller doesn't have to contribute a dollar. You don't have to negotiate for it. It just works.
How Agents Are Using It Right Now
Walk into a listing and write an offer at (or near) full price, with a payment that's a full point lower in year one.
Seller doesn't lose anything. Buyer wins. Deal closes. You look like the smartest person in the room.
That's the weapon. And most agents don't even know it exists yet.
Why I'm Telling You This
I've been in this business 24 years. My entire operation runs on agent referrals. My job isn't just to close your buyers. It's to make you look like a rock star at the closing table.
This is me doing that.
If you've got buyers who went quiet after pre-approval, send me their name today.
I'll jump on a three-way Zoom, walk them through the numbers side by side, and show them exactly what their payment looks like with the free buydown versus without it.
Most of the time, that one conversation turns a cold lead back into a live buyer.
Just reply to this email or DM me, and I'll put together a simple side-by-side you can take to the kitchen table.
Don't Sit on This
After June 30, I genuinely don't know if this program sticks around. It's aggressive, and aggressive things don't last forever.
The buyers who benefit from this are the ones whose agents moved fast.
Keith
*P.S. That buyer from the story? Still renting. Still "waiting for rates to drop." Still watching prices climb. A free 1-0 buydown wouldn't just have saved that deal. It would have saved them from a decision that's costing them more every single month they wait.*
Frequently Asked Questions
What is a 1-0 buydown?
A 1-0 buydown is a temporary rate reduction where the buyer's interest rate is lowered by one full percentage point for the first year of the loan. After year one, the rate returns to the locked rate for the remaining term. For example, if a buyer locks at 7%, they pay at a 6% rate in year one. On a $400,000 loan, that difference typically saves $3,000 to $3,800 in the first 12 months.
Who is paying for the buydown?
Through June 30, Keith's company is covering the cost of the 1-0 buydown directly. It is not rolled into the rate, not added to fees, and not passed to the seller. The lender absorbs the cost as a program offering. After June 30, this program may or may not continue, so the window is real.
Does the seller have to contribute anything?
No. That is the key difference between this and a seller-paid concession. In a typical buydown negotiation, you ask the seller to cover the cost, which means they have to agree. Here, the seller contributes nothing. The buyer gets the lower first-year payment regardless of what the seller is willing to do.
How does this help agents with stale listings or tough negotiations?
When a seller is already at their limit on concessions, a traditional buydown is off the table. This program removes that obstacle entirely. You can write an offer at or near full price, hand the buyer a lower first-year payment as a free bonus, and close a deal that would have otherwise fallen apart. The seller wins, the buyer wins, and you look like the smartest person in the room.
What about buyers who went quiet after pre-approval?
This is where the program does the most work. Buyers who went quiet are usually not gone, they are stuck on the payment. A three-way Zoom call showing the side-by-side numbers (payment with the free buydown versus without) is often all it takes to turn a cold lead back into a live buyer. Most agents have three to five of these sitting in their pipeline right now.
How do I get started?
Reply to this email, DM Keith directly, or click the button below to start a conversation. Keith will put together a simple side-by-side payment comparison you can take to the kitchen table. The whole process takes one conversation. Don't wait on this one, after June 30, the program may not continue.
Keith has helped 2,980+ families close on homes across 12+ markets over 24+ years, with $310M+ in closed loans. He specializes in difficult files, listing-agent partnerships, and the kind of complex deals most lenders turn away.
He writes the Realtor Money Alerts to give agents the plays, programs, and systems that protect deals and generate more closings.
Want plays like this every week?
Drop your email and I'll send you the next one first.
Let's Talk About Your Business
If you want to see if we can get more buyers and sellers for you, a 15-minute call is all it takes. No pitch. No pressure. Just a real conversation about your business.
Keith works with a small number of agents in each market. If there is a fit, you will know by the end of the call.
"Keith helped us get an offer on a $2.8 million dollar listing in Arrington, TN with a custom funnel. Incredible results."
"Keith has been instrumental in the growth of our listing leads coming in. He is a true partner."
We help you grow your business and get you more clients · Keith Goeringer NMLS #488023 · No obligation