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.
The problem it solves
In a normal purchase, your agent and your lender are two separate businesses with two separate incentives who speak to each other roughly four times. The agent negotiates a price without knowing precisely how it finances. The lender structures a loan around a contract they had no part in writing. Nobody is optimizing the transaction as a whole, because nobody is responsible for the whole thing.
You don’t need me to find you the cheapest house. You need me to make the house you want more affordable.
When one licensed person handles both roles, two things change. The transaction gets designed as a single structure — price, credit, rate, program, and cash to close negotiated against each other rather than in sequence. And the real estate compensation on your purchase becomes an input to that structure rather than money that simply leaves.
The four advantages
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.
How the benefit is calculated
Every purchase generates a buyer-side real estate commission, negotiated in your representation agreement. Under this program, a defined portion of that compensation can potentially be directed to your side of the transaction instead. Three limits govern how much actually lands:
- The interested-party contribution ceiling for your loan program — 3%, 6% or 9% of the price on conventional depending on down payment, 6% on FHA, 4% in concessions on VA, and 2% on conventional investment financing. This ceiling covers everything contributed, including rate buydowns.
- Your actual costs. A credit toward closing can never exceed your real closing costs and prepaid items, and no part of it may be paid to you in cash.
- The lender’s buydown cap, which limits how far a note rate may be bought down regardless of how much money is available to do it.
The calculator applies all three and tells you when one binds. Where a portion of the benefit cannot be applied, it says so.
What it is not
It is not a discount brokerage. A rebate is a check that arrives after the fact and changes nothing about how the deal was built. This is a strategy that treats compensation as one lever among several — which is why it can be pointed at your interest rate, and a check cannot.
It is also not a requirement. You are free to use any lender and any agent you like, and nothing here is conditioned on referring business anywhere. The benefit exists only when both roles sit in the same seat, because that is the only circumstance in which there is anything to redirect.
The five steps
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.
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.