Most buyers are not actually waiting for a lower mortgage rate.They are waiting for a monthly payment they can afford. In this episode, Tim and Julie Harris explain how real estate agents can help buyers and sellers think beyond the advertised interest rate. They break down permanent mortgage rate buydowns, temporary 2-1 buydowns, seller concessions, adjustable-rate mortgages, builder incentives, refinance strategies, and assumable loans. You will learn why negotiating the cost of financing can be more effective than negotiating only the purchase price, how listing agents can compete with new-construction incentives, and why automatically reducing the price may not be the seller’s best option. Tim and Julie also discuss the true cost of waiting, the questions buyers should ask before choosing a mortgage, and how an existing low-rate assumable loan can become one of the strongest marketing features of a listing. The episode concludes with a look at the Dorado Beach Insider book and how agents can build a long-term authority brand around a specific neighborhood or community. This is the kind of practical financing and career training real estate agents need to navigate the 2026 market, create more opportunities, and build a business that does not depend on perfect market conditions. Free training: HarrisRealEstateDaily.com Coaching: PremierCoaching.com Join eXp + Libertas: WhyLibertas.com/Harris Text Tim Direct: 512-758-0206 Opinions are my own and not the views of eXp Realty.

Mortgage Rate Buydowns for Real Estate Agents: How to Lower Buyer Payments in 2026

Real Estate Training & Coaching School

[SPEAKER_A] Everyone keeps saying, I'm waiting for rates to come down. But here's the problem. Mortgage rates are sitting at around 6.5%, maybe even a little bit higher than 6.5%, which is indeed the highest they've been this year. But here's what almost nobody actually says to buyers. Very few people are really paying the advertised rate anymore. The smartest buyers and the agents helping them are using permanent rate buydowns, temporary buydowns, adjustable-rate mortgages, builder incentives, and negotiating refinance strategies that can save hundreds of dollars every month. So if you're only looking at houses and shopping for those, you've got to also be shopping for your financing. Otherwise, you're leaving serious money on the table, and some of you aren't even working with clients who would otherwise be pulling the trigger. Welcome to Real Estate Coaching Radio, starring award-winning real estate coaches and number one international bestselling authors Tim and Julie Harris. This is the number one daily radio show for realtors looking for a no-BS, authentic, real-time coaching Experience: What's really working in today's market, how to generate more leads, make more money, and have more time for what you love in your life. And now, your hosts, Tim and Julie Harris.

[SPEAKER_B] All right guys, we have a ton of notes, and these notes are very detailed. We're going to expose you to different ways that you can obviously help your buyers obtain financing and a payment they can afford. But you want the notes, you got to go to HarrisRealEstateDaily.com, which is our newsletter. Just drop in your email address and you're off to the races. And then we're building a community behind that, which I didn't tell you.

Mortgage Rate Buydowns for Real Estate Agents: How to Lower Buyer Payments in 2026

Read the full transcript

The candid version is on a podcast,
not the earnings call.

Mortgage Rate Buydowns for Real Estate Agents: How to Lower Buyer Payments in 2026

Read the full transcript

The candid version is on a podcast, not the earnings call.

The candid version is on a podcast,
not the earnings call.