Lower Payment Financing
Lower Payment Financing
Same home. Lower payment. Your seller funds a rate buydown, we market your listing on a monthly payment buyers can live with, and we build everything for you.
Enroll a listing Call MannySample $899,000 listing, seller-paid 3-2-1 buydown, 7.26% APR. Total monthly payment. Full assumptions at the bottom of the page.
Manny walks you through it
Why Lower Payment Financing works for your seller, and how it helps you win more listings and sell them faster.
Watch it before your next listing appointment, then share it with your seller.
Buyers don’t buy a price. They buy a payment.
At today’s rates, the payment is what stops buyers. A temporary buydown puts the seller’s money where buyers feel it most: the first years of ownership.
Same home. Four ways to pay for it.
What the buyer of an $899,000 home pays each month, and what each option costs.
Market rate
7.50% rate, 7.59% APR
The full payment from day one. It’s shown on every page so buyers can see exactly what the seller’s money does for them.
Permanent buydown
6.75% rate for 30 years, 6.96% APR
The credit buys the rate down for the life of the loan. A smaller drop that never steps back up. Best for buyers who plan to stay put.
2-1 buydown
5.50% yr 1, 6.50% yr 2, 7.50% yrs 3 to 30, 7.464% APR
The rate is 2% lower in year one and 1% lower in year two, then the full rate. A strong payment for the least seller money.
3-2-1 buydown
4.50% yr 1, 5.50% yr 2, 6.50% yr 3, 7.50% yrs 4 to 30, 7.26% APR
The rate is 3% lower in year one, 2% in year two, and 1% in year three. The lowest payment buyers will see. Not every loan program allows it.
On a 2-1 or 3-2-1, the seller’s credit funds an account the loan servicer draws from each month to cover the difference. You and your seller choose one program at enrollment, and how it’s funded is agreed then. Buyers financing with CHS may also receive a CHS credit toward the buydown.
Why an enrolled listing wins
It stops the scroll
Every other listing leads with a price. Yours leads with a payment $1,385 below market in year one.
It brings buyers back
Buyers waiting on the sidelines for rates to drop get a reason to tour now.
It protects the price
A seller credit helps the buyer without lowering the sale price or the comps on the street.
It wins you the listing
Walk into the appointment with real payment options on the seller’s own home. No other agent in the room has them.
We build everything. You share it.
Enrolling is simple. Tell us the address, you and your seller pick a program, and we handle the rest. We stay on the listing with you every week until it sells.
- Listing presentation insert with your seller’s real payment options
- Property page with your photos, your contact card, and a lead form
- Sign rider and QR code that sends buyers straight to the page
- Printed flyers for open houses and showings
- Social kit and buyer email ready to post and send
- MLS-approved wording that follows CRMLS rules
- Buyer’s agent credit sheet so offers are written correctly
- Lead follow-up within one business hour, shared with you the same day
- Open house and appointment support from Manny or a CHS team member, on request
Common questions
Why would my seller fund a buydown?
Because it goes further than anything else they can spend on. On an $899,000 home, a permanent buydown costing about $26,970 lowers the payment $364 a month. A 3-2-1 costing about $33,750 lowers it $1,385 a month in year one.
Does the buyer qualify at the lower rate?
No. Buyers qualify at the full note rate. We lower the payment, not the qualification.
What if rates drop?
The plan is for the buyer to refinance after the buydown period ends, so every dollar is used first. If the buyer refinances or sells early, remaining seller and buyer buydown funds go toward the loan payoff, and remaining CHS funds return to CHS.
What if the buyer has their own lender?
Lower Payment Financing is a California Home Solution program. The CHS credit, payment options, and launch kit are built around buyers financing with CHS, and may not be recreated or used by any other mortgage company.
Let’s win your next listing together.
Send us the address. We’ll run the numbers before we talk.
Enroll a listing
Sample scenario for illustration only: $899,000 purchase, 20% down ($179,800), $719,200 30-year fixed conventional loan, [FICO] credit score, primary residence, townhome. Market rate: 7.50% (7.59% APR). Permanent buydown: 6.75% for 30 years (6.96% APR). 2-1 buydown: 5.50% year 1, 6.50% year 2, 7.50% years 3 to 30 (7.464% APR). 3-2-1 buydown: 4.50% year 1, 5.50% year 2, 6.50% year 3, 7.50% years 4 to 30 (7.26% APR). Payments are total monthly payments including principal, interest, estimated property taxes, homeowners insurance, and a $460 monthly HOA. Costs are estimates. Buydown borrowers qualify at the full note rate. Estimates as of [MM/DD/2026], subject to change without notice and to borrower qualification. Not a commitment to lend.
Seller credits must be written into the purchase agreement and are subject to loan program limits on interested party contributions. The 3-2-1 buydown is not available on every loan program. Any CHS credit applies only to loans financed through California Home Solution and is a credit to the borrower.
California Home Solution, Inc. DRE #01303675, NMLS #260091. Manny Solana, NMLS #291475. 20301 Ventura Blvd, Suite 302, Woodland Hills, CA 91364. Equal Housing Opportunity.
