Success Stories – How A $20,000 Seller Credit created +$40,000 in Buying Power

This is a great example of how helpful a Seller Credit can be.

I had clients who were moving from another state. They could only use one income to apply for a loan, which limited their options even though they had a large down payment. To keep their debt-to-income ratio within acceptable limits, they could only afford a monthly payment of about $2,096. In the area they were looking at, homes were priced around $350,000, but they weren’t finding any homes they really liked.

That’s where I stepped in. Instead of choosing a temporary or 2/1 buydown, which wouldn't affect their debt-to-income ratio, I suggested a permanent seller buydown. I arranged for a $20,000 seller credit. This credit helped to lower their interest rate to 5.125%. With this new rate, a $2,096 payment allowed them to look at homes priced up to $415,000. Thanks to this, they found their dream home, made an offer, and, because they had strong credit and a good down payment, they got even more good news.

They were granted an appraisal waiver, which meant they didn't need a property appraisal. On top of that, we managed to close the deal in just two weeks. This story shows how beneficial a Seller Credit can be in the home buying process.


"Shelby was very easy to contact and readily available to answer any questions we had despite being outside of normal business hours."

camille n a

"Shelby was fantastic!! She is super communicative and creative. We felt very supported during the stressful experience of home buying in this market."

margaret howard lloy s

"Shelby's effort and execution were outstanding! Great communication and ability to work through barriers in a timely manner."

dan j