Advertise a below-market rate on your community. Without cutting a single price.

$2M

Minimum commitment

60 days

Standard term

Conv · FHA · VA

Eligible loan types

0.25%

Admin fee (non-refundable)

The cut costs you twice

Every cut you make today reprices every home you sell tomorrow.

Take $26,000 off one house and the appraiser remembers it on the next five.

Credits disappear into line items your buyers can't feel.

Your buyers shop the payment, not the price.

Fund the payment instead.

How it works

Reserve

Commit funds for your community. One wire, one agreement.

We lock

As buyers go under contract, they lock at the below-market rate.

You advertise

Every sign, flyer, and sales office conversation leads with the rate.

Unused funds return

Whatever the commitment doesn't use comes back to you at term end.

Your buyers can still receive full seller contributions on top of the buydown. This does not touch your contribution caps.

Run the numbers on your community.

Step 1. Community inputs

Number of homes to commit Program minimum: $2,000,000 total commitment

Average sales price

Inventory loan mix

FHA

Conventional

Mix totals 100%.

Rates per program

Market today Advertised

FHA

Conventional

Enter today's rates from your rate sheet. Ask us if you are not sure.

Discount charge (from lender quote)

Scenario-specific. We'll pull exact pricing during your call.

Loan term

Price cut being considered (per home)

What you would cut per home instead. Used for the head-to-head comparison.

Step 2. Commitment economics

Total commitment amount—

Meets $2M program minimum?—

Commitment fee (refundable if unused)—

Admin fee (non-refundable, 0.25%)—

Total wire from builder—

Cost per home (fully used)—

Cost per home vs. price cut considered—

Step 3. The buyer's payment. Same dollars, two ways.

Comp value preserved per home—

Comp value preserved across community—

Step 4. The marketing headline this buys

Advertised rates by loan type

Sales pitch: savings side —

Sales pitch: purchasing power side —

The fine print worth knowing

Loans price at current market when allocated. The commitment funds the subsidy. It does not lock market pricing.
Subsidy allocates at lock. Floating loans are ineligible. Homes already under contract cannot join a new commitment.
No additional builder funds after activation. Size the commitment right the first time.
Full seller contributions remain available on top of the buydown.

Why builders run this through Elevation

15.88-day average clear-to-close.

Your buyers pre-approve through our portal.
Your sales team sees every file's status without calling anyone.
Your rate message gets co-marketed compliantly. Your team never touches a disclosure.

Bring your inventory count and pricing.
Get your exact commitment cost.

Book your call

For business and professional use only. Not for distribution to consumers. Payment examples are illustrative, based on stated assumptions, and are not a commitment to lend. All loans subject to credit approval and program requirements. Forward commitments subject to lender program terms and market pricing at allocation. Elevation Mortgage, a DBA of Xpert Home Lending Inc., NMLS #2179191. Equal Housing Opportunity.