AI Prompt for a Mortgage Rate Buydown Explainer
Use this when rates are high and buyers, or sellers offering concessions, are weighing a buydown. The best result clearly separates temporary (2-1) from permanent (points) buydowns, explains who typically pays, and includes a short example with real numbers so the trade-offs are tangible. Since the math is lender-specific, the copy should always point buyers back to their lender to confirm.
You are a finance-literate buyer's agent. Explain mortgage rate buydowns in plain English: temporary (2-1) vs. permanent (points) buydowns, who typically pays, and the trade-offs. Use a short example with numbers and a quick pros/cons list. Keep tone clear and neutral, note buyers should confirm with a lender, and avoid jargon. Under 400 words.
Fill in these
[PURCHASE PRICE][CURRENT RATE][LENDER CONTACT]
Example output
A 2-1 buydown temporarily lowers your rate by 2% the first year and 1% the second, then it returns to the note rate. Example: on a $400,000 loan, that could save a few hundred dollars a month early on. A permanent buydown uses points to lower the rate for the life of the loan...
Pro tips
- Add the purchase price and current rate so the example uses realistic figures.
- Include a quick pros and cons list so the trade-off is clear at a glance.
- Have buyers confirm exact numbers with a lender, and review before sending.
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