--- title: "Seller Paid Rate Buydown | Lower Your Mortgage Rate | North Dallas | Raven Home Co." description: "How a seller paid rate buydown lowers your monthly payment more than a price cut of the same size, with a free calculator and the exact script for asking." lang: en json-ld: | [ { "@context": "https://schema.org", "@type": "Person", "name": "Raven Mok", "jobTitle": "Real Estate Advisor & Former CPA", "description": "Raven Mok is a licensed Texas real estate agent and former CPA serving North Dallas. She founded Raven Home Co. under eXp Realty DFW and holds the CLHMS luxury designation. Fluent in English and Vietnamese.", "url": "https://ravenmok.com/", "image": "https://ravenmok.com/raven-mok-og.jpg", "worksFor": { "@type": "Organization", "name": "eXp Realty", "url": "https://www.exprealty.com/" }, "memberOf": { "@type": "Organization", "name": "Raven Home Co", "url": "https://ravenmok.com/" }, "hasCredential": [ { "@type": "EducationalOccupationalCredential", "name": "Texas Real Estate License", "credentialCategory": "license", "recognizedBy": { "@type": "Organization", "name": "Texas Real Estate Commission (TREC)" }, "identifier": "0748093" }, { "@type": "EducationalOccupationalCredential", "name": "Certified Luxury Home Marketing Specialist (CLHMS)", "credentialCategory": "certification" } ], "alumniOf": { "@type": "Organization", "name": "PricewaterhouseCoopers (PwC)", "url": "https://www.pwc.com" }, "award": [ "RealTrends Top 1,000 Agents Nationally", "WSJ Top 1% Real Estate Agent", "Coldwell Banker 30 Under 30 (2021)", "2x eXp ICON Award" ], "knowsLanguage": [ "en", "vi" ], "areaServed": [ "Prosper, TX", "Celina, TX", "Frisco, TX", "McKinney, TX", "Allen, TX", "Plano, TX", "North Dallas, TX" ], "contactPoint": { "@type": "ContactPoint", "telephone": "+1-408-234-9393", "email": "raven@ravenmok.com", "contactType": "customer service" }, "sameAs": [ "https://www.linkedin.com/in/ravenmokrealtor", "https://www.instagram.com/ravenhomeco/", "https://www.facebook.com/RavenHomeCo/", "https://www.zillow.com/profile/RavenMok", "https://www.har.com/ravenmokrealtor", "https://ravenmok.com" ] }, { "@context": "https://schema.org", "@type": [ "RealEstateAgent", "LocalBusiness" ], "name": "Raven Home Co", "alternateName": "Raven Mok Real Estate", "description": "Raven Home Co. is a boutique real estate advisory team founded by Raven Mok, former CPA, operating under eXp Realty in Dallas-Fort Worth. Specializing in wealth strategy, new construction, relocation, and strategic home sales across North Dallas.", "url": "https://ravenmok.com/", "telephone": "+1-408-234-9393", "email": "raven@ravenmok.com", "founder": { "@type": "Person", "name": "Raven Mok" }, "address": { "@type": "PostalAddress", "addressLocality": "Prosper", "addressRegion": "TX", "addressCountry": "US" }, "areaServed": [ "Prosper, TX", "Celina, TX", "Frisco, TX", "McKinney, TX", "Allen, TX", "Plano, TX", "North Dallas, TX", "Dallas-Fort Worth, TX" ], "slogan": "Strategy First. Results Always.", "priceRange": "$$$", "knowsLanguage": [ "en", "vi" ], "sameAs": [ "https://www.facebook.com/RavenHomeCo/", "https://www.instagram.com/ravenhomeco/", "https://ravenmok.com" ] }, { "@context": "https://schema.org", "@type": "FAQPage", "mainEntity": [ { "@type": "Question", "name": "Who is Raven Mok?", "acceptedAnswer": { "@type": "Answer", "text": "Raven Mok is a licensed Texas real estate advisor and former Certified Public Accountant (CPA) serving the Dallas-Fort Worth metroplex. She founded Raven Home Co. under eXp Realty DFW and brings a CPA's financial training to every real estate decision, with prior experience at PricewaterhouseCoopers. She is fluent in English and Vietnamese and serves clients across Prosper, Celina, Frisco, McKinney, Allen, and North Dallas." } }, { "@type": "Question", "name": "What is Raven Home Co?", "acceptedAnswer": { "@type": "Answer", "text": "Raven Home Co. is a boutique real estate advisory team founded by Raven Mok, former CPA, operating under eXp Realty in the Dallas-Fort Worth metroplex. The team specializes in wealth strategy, new construction guidance, relocation services, and strategic home selling across North DFW." } }, { "@type": "Question", "name": "What areas does Raven Mok serve?", "acceptedAnswer": { "@type": "Answer", "text": "Raven Mok serves the Dallas-Fort Worth metroplex with primary focus on Prosper, Celina, Frisco, McKinney, Allen, Plano, and the greater North Dallas corridor in Texas." } }, { "@type": "Question", "name": "What makes Raven Mok different from other Dallas real estate agents?", "acceptedAnswer": { "@type": "Answer", "text": "Raven Mok holds an active Texas real estate license and is a former Certified Public Accountant (CPA), with prior experience at PricewaterhouseCoopers. This dual expertise allows her to analyze the full financial and tax implications of real estate decisions. She is a 2x eXp ICON Award recipient." } }, { "@type": "Question", "name": "Does Raven Mok speak Vietnamese?", "acceptedAnswer": { "@type": "Answer", "text": "Yes. Raven Mok is Vietnamese-American and fluent in both English and Vietnamese. She serves the Vietnamese community in Dallas-Fort Worth alongside clients of all backgrounds." } }, { "@type": "Question", "name": "How can I contact Raven Mok?", "acceptedAnswer": { "@type": "Answer", "text": "You can reach Raven Mok at raven@ravenmok.com or by phone at 408-234-9393. Book a consultation at ravenmok.com." } } ] } ] --- [![Raven Home Co. logo — North Dallas real estate advisory led by Raven Mok](/assets/raven-logo-CjGIhzkk.png)](/)[Chat with us](/contact) [Meet Raven](/about) Services [Cities](/cities)[Relocate](/relocate) Neighborhoods More [![Raven Home Co. logo — North Dallas real estate advisory led by Raven Mok](/assets/raven-logo-CjGIhzkk.png)](/) [AI](/lighthaus) [Chat with us](/contact) ![New construction home exterior in a North Dallas builder community](/assets/new-construction-exterior-pVmlvdfZ.png) Financing Strategy # Your Rate Is The Problem. Your Price _Is Not_. Most buyers negotiate the price and never ask about the rate. On the same house, asking the seller for a rate buydown instead of a price cut can lower your monthly payment more, for less money off the seller's side. Builders in Prosper, Celina, and Frisco do this constantly. Resale sellers will too, and almost nobody asks. The Comparison ## Price cut versus buydown, on the same _$500,000_ house Option A ### Ask for $15,000 off the price - New price $500,000 becomes $485,000. - On a 30 year loan the monthly payment drops by roughly $85 to $95. - It takes years to feel it. Option B ### Ask for $15,000 toward a rate buydown - Price stays $500,000. - That money buys the rate down, often by roughly 1 to 1.5 percentage points on a permanent buydown, or funds a 2-1 temporary buydown. - Monthly payment drops by roughly $300 to $475 in the early years. Same fifteen thousand dollars. Three to five times the monthly impact. And the seller often prefers it, because their sale price on record stays intact. Illustrative. Actual buydown cost and rate reduction depend on your lender, loan type, credit, and the day's pricing. Raven Mok is a real estate agent, not a lender. Confirm all figures with a licensed loan officer. The Two Kinds ## Temporary or _permanent_ ### Temporary, the 2-1 buydown Year one your rate is 2 points lower. Year two it is 1 point lower. Year three onward you pay the note rate. Best when you expect to refinance, or your income is rising and you want the relief now. ### Permanent, discount points The lower rate lasts the whole loan. It costs more per point of reduction, and it is the better choice when you plan to stay in the house long enough for the lower payment to outrun the upfront cost. Run It Yourself ## The buydown _calculator_ Put in the house you are actually looking at. Nothing is stored and nothing is emailed. Home price Down payment percent Note rate percent Buydown typeTemporary, 2-1 buydown Estimated principal and interest No buydown 6.75 percent $2,594 Year 1 4.75 percent $2,087 Year 2 5.75 percent $2,334 Year 3 onward 6.75 percent $2,594 Total buydown cost $9,215 Year 1 monthly savings $508 Estimate only. Principal and interest on a 30 year fixed loan. Excludes property taxes, insurance, HOA, and mortgage insurance. Actual buydown cost and rate reduction depend on your lender, loan type, credit, and the day's pricing. Raven Mok is a real estate agent, not a lender. Confirm all figures with a licensed loan officer. For the full payment picture including taxes, insurance, and HOA, use the [mortgage payment calculator](/tools/mortgage-payment). The Script ## How to actually _ask_ for it 1 ### Find a listing with days on market above the area average Motivation is the whole game. A seller in week two says no. A seller in week nine runs the math with you. 2 ### Have your lender price both scenarios before you write The offer should name a dollar amount and a structure, not a concept. Sellers say yes to numbers and stall on ideas. 3 ### Write at or near asking price with seller paid costs directed to the buydown Sellers accept this far more often than a price cut of the same size, because their sale price on record stays intact. 4 ### Know the cap Seller concessions are limited by loan type and down payment, commonly 3 to 6 percent on conventional and more on some programs. Your lender confirms your specific cap before you write. 5 ### New construction is the easiest yes Builders protect their price per square foot for the comps and will spend on financing incentives instead. In Prosper, Celina, and Frisco this is the standard play, not the exception. ![New construction home exterior in a Prosper builder community](/assets/new-construction-exterior-pVmlvdfZ.png) Builder inventory in Prosper, Celina, and Frisco. This is where the buydown ask gets said yes to most often. If you are earlier than this and still deciding on area, price band, and timeline, start with [how the buying process works with me](/services/buy). ![Raven Mok, North Dallas real estate agent with eXp Realty](/assets/raven-portrait-XAM9lWve.jpg) Why I Push This Most buyers I meet spend all their negotiating room on the price and never touch the rate, which is the number that actually sets the payment they live with. I would rather hand you the ask that moves your monthly number, even on a house I did not find for you. Raven Mok Active eXp Realty DFW | CLHMS | Former CPA ### For A Specific House #### Get the buydown play for a specific house Send me the address you are looking at. I will tell you whether that seller is likely to say yes, what to ask for, and what it does to your payment. Text me updates about my home value and market changes. Message and data rates may apply. Reply STOP to opt out. Send Me The Play Buyer Next Step ## Start With What You Can Actually _Afford_ A buydown changes the payment, not the budget. Set the ceiling first, then negotiate the structure that gets you under it. [Run My Affordability](/tools/mortgage-affordability)[Book A Call](/meeting) Active eXp Realty DFW | CLHMS | Former CPA ### Market Insights & Investment Updates Receive quarterly market analysis and exclusive off-market opportunities Subscribe #### Contact ![Raven Home Co. logo — North Dallas real estate advisory led by Raven Mok](/assets/raven-logo-CjGIhzkk.png) Strategic Real Estate Advisor [408-234-9393](tel:4082349393)[raven@ravenmok.com](mailto:raven@ravenmok.com) Serving Prosper, Celina, Frisco, McKinney & North Texas #### Navigate - [Home](/) - [About Raven](/about) - [Home Valuation](/home-valuation) - [Sell As-Is For Cash](/cash-offer) - [90 Day Sale Guarantee](/90-day-guarantee) - [Listing Marketing Plan](/marketing-plan) - [Rate Buydown For Buyers](/buydown) - [14 Day Home Prep Plan](/resources/prep-your-home) - [Renovation ROI](/resources/remodel-roi) - [Maintenance Checklist](/resources/home-maintenance-checklist) - [All Neighborhoods](/neighborhoods) - [Wealth Tools](/wealth-tools) - [Book Strategy Call](/contact) #### Neighborhoods - [Windsong Ranch](/neighborhoods/windsong-ranch) - [The Fields](/neighborhoods/the-fields) - [Mustang Lakes](/neighborhoods/mustang-lakes) - [Star Trail](/neighborhoods/star-trail) - [Light Farms](/neighborhoods/light-farms) - [View All →](/neighborhoods) #### Resources - [Rental ROI Guide](/guides/north-dallas-rental-roi) - [1031 Exchange](/guides/north-dallas-1031-exchange) - [Investor Advisory](/north-dallas-real-estate-advisor) - [Home-Buyer Roadmap](/resources/home-buyer-roadmap) - [Investment 101](/resources/investment-metrics) - [View All →](/resources) [](https://www.facebook.com/RavenHomeCo/)[](https://instagram.com/ravenmok.realtor)[](https://linkedin.com/in/RavenHomeCo)[](https://youtube.com/@RavenHomeCo)[](https://tiktok.com/@RavenHomeCo) The data relating to real estate for sale on this website comes in part from the Internet Data Exchange (IDX) program of the Multiple Listing Service. 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