One Home. One Strategy.
More Buying Power.
BuyBorrow Advantage™ — A better way to buy and finance your next home. A homebuying program that combines your real estate and mortgage strategy into one plan — so we can look for ways to reduce your payment, lower your cash to close, and make the overall cost of buying more manageable.
Most buyers start with a price and panic about the payment later. Do it the other way around: tell the calculator what you’re comfortable paying, and it will work backward to the house.
What’s your comfortable payment?
Taxes, insurance, mortgage insurance and HOA included — not just principal and interest. Then choose whether the program benefit works on your rate or your cash to close.
Where should the benefit go?
Assumptions — edit any of these
On Auto, conventional mortgage insurance is estimated
from a built-in premium grid by credit range and loan-to-value, and FHA uses the factors above. Those are
illustrative approximations — the live rate card is in src/data/mi-rates.js. Override any
single file with your actual quote using the
% / yr or $ / mo control. Credit-tier rate adjustments and interested-party
contribution ceilings are applied automatically from the loan program, credit range, and loan-to-value.
Interest rate and buydown cost come from the loaded wholesale rate sheet: the base price at each rate for
your lock period, plus the loan-level price adjustments for credit, LTV, occupancy and loan size. The rate
shown is par — the cheapest rate that costs you nothing — and a buydown walks down that same
ladder for whatever the benefit actually pays for. Commission is negotiable and not set by law; the figures
above are placeholders for illustration, not an offer.
What the program actually does
Payment Advantage
Rate-reduction and buydown strategies aimed at the monthly number.
Cash Advantage
Closing-cost and transaction assistance aimed at cash to close.
Financing Advantage
Access to multiple loan programs, compared side by side before you shop.
Homebuying Advantage
One person coordinating the real estate and the financing strategy.
Five steps, in this order
The order is the point. Financing decisions made before you tour a house are strategy; the same decisions made after you’ve fallen in love with one are damage control.
Find your buying power
Start with the payment you're comfortable with. We work backward to a price range.
Build your mortgage strategy
Compare loan programs, rate structures, and cash-to-close scenarios before you tour a single house.
Find your home
Shop inside a range you already know works — with an agent who knows exactly how it finances.
Apply your BuyBorrow benefits
Direct the eligible program benefit toward rate, toward cash to close, or split between them.
Close with confidence
One point of contact from offer to funding. No handoff between agent and lender.
Four situations where this changes the math
Selling and buying at once
Equity, timing, bridge strategy, and the new payment are one problem, not four. Sequencing them correctly is worth more than a slightly better rate.
“I can’t afford today’s rates”
Then don’t start with the house. Start with the payment, and engineer the purchase around it. That’s a solvable problem far more often than people assume.
Good income, thin savings
You don’t need a cheaper agent. You need less cash at the closing table. Directing the benefit at the cash side is exactly what that looks like.
House hacking and DSCR
The financing structure and the acquisition decision are the same decision. I run the ratio before we write the offer, not after the appraisal.
Guides
How to Lower Your Mortgage Payment When Buying a Home in Dallas–Fort Worth
Most buyers try to solve an affordability problem by shopping for a cheaper house. That's one lever out of seven, and usually the le…
How to Reduce Your Cash to Close in Texas
Plenty of buyers can afford the payment and still can't buy, because nobody warned them what shows up on the final line of the Closi…
Mortgage Rate Buydowns, Explained
Two completely different products share the name "buydown," and confusing them costs people real money. Here's the distinction, the …
How Much House Can I Afford Based on My Monthly Payment?
Every affordability calculator asks for your income first. That's backwards. Your income tells a lender what they'll allow. It doesn…
Seller Concessions in Texas: Limits, Strategy, and What They're Worth
A seller credit and a price reduction are not interchangeable, and the difference is bigger than almost anyone assumes. Here's how t…
Closing Costs in Texas: Who Pays What
Closing costs in Texas follow local custom more than law, which means almost every line on the list is negotiable if you know it's t…
Before you ask
What is the BuyBorrow Advantage™ program?
It's a homebuying program available when the same licensed person acts as your real estate agent and originates your mortgage. Because both sides of the transaction are handled in one seat, a defined portion of the real estate compensation can potentially be directed toward reducing your interest rate, reducing your cash to close, or a split of the two — subject to lender approval and contribution limits.
Is this just a commission rebate?
No. A rebate hands you a check and changes nothing about how the transaction is structured. This program treats the compensation as one input into the financing strategy, alongside loan program selection, rate structure, and how the offer is written — which is why it can be applied to the rate, where a check cannot.
Does using one person for both sides cost me anything?
You aren't required to use both services, and you're free to use any lender or agent you choose. The program benefit is only available when both roles are handled on the same transaction, because that's the only circumstance in which the compensation exists to be directed anywhere.
How much will I actually get?
That depends on the purchase price, the loan program, your down payment, and the interested-party contribution ceiling that applies to your file — no single number is promised. The calculator models it against your specific numbers and shows you where the ceilings bind.
Where do you work?
Throughout the Dallas–Fort Worth metroplex, including Dallas, Fort Worth, Frisco, McKinney, Plano, Prosper, Celina, Allen, Arlington and Denton.
Tell me your payment. I’ll build the plan around it.
Send the monthly number you’re comfortable with and I’ll come back with a purchase range, a loan program comparison, and what the BuyBorrow Advantage™ benefit looks like on your file.