Builder vs. lender: why the higher rate can make you richer
A builder's "preferred lender" dangles a rate the bank can't touch — then quietly funds it with a higher home price. Here's the math that names the winner in dollars, not rate.
How to split a seller concession so you don’t waste a dollar
A seller concession is use-it-or-lose-it money — and the wrong split hands dollars back to the seller. The Concession Optimizer brute-forces every split across closing costs, a temporary buydown, and a permanent rate buydown to find the mix that wastes the least and nets the most over your planned stay.
How much seller concession to ask for (and the % most calculators get wrong)
Most seller-credit calculators measure the cap against your loan amount, which over-disqualifies legal asks. The real rule is a percentage of purchase price. Here's how to size the exact concession to write into your offer.
The temporary buydown calculator that admits it: cost = savings, so the only question is who pays
A temporary buydown isn't a price cut — it's prepaid payment relief, and the total cost is exactly the sum of every dollar of relief. Our calculator shows that identity plainly, turns it into a seller-concession line, and tells you the one case where you should buy permanent points instead.