Sean & Blanca will find you a home with a great rate you can take over (assumable), or we’ll negotiate a 2-1 rate buydown for your next Dallas home purchase.
Assumable Loan
More than 250 homes for sale in the Dallas metro have loans you can take over, with rates starting at 2.99%. You assume the seller’s loan and bring the difference between the price and the loan balance.
Example
On an existing home, we negotiate for the seller to pay for a 2-1 rate buydown, which lowers your monthly payment in the first two years. Example: a client we’re working with right now was quoted 7.25%. With a 2-1 buydown, we got their first-year rate to 5.75%.
We help you find the right builder, then negotiate your rate down. Example: our last client, Faith & Randall, bought a new construction home and we negotiated their first-year rate at 4.99%.
Sean and Blanca help you find a home with a great rate you can take over (assumable), negotiate a 2-1 rate buydown on an existing home, or help you find a builder and negotiate their rate promotion. You tell us your plans, we do the negotiating, and your preferred lender confirms the numbers.
No. A buydown lowers your payment in the first two years only. Your loan has one fixed rate, and a 2-1 buydown lowers what you pay in the first two years: the savings shrink each year, and from year three you pay the full rate on your loan. We'll show you the exact payments for every year before you write an offer.
Buyers who sign an exclusive buyer agreement with Sean & Blanca in October 2026, are under contract by December 31, 2026, and finance with one of our preferred lenders. It's subject to loan approval and credit qualification. On homes Sean & Blanca list, our preferred lender can offer a 1-year buydown with a full 1% rate reduction, as long as you qualify.
The program only works if the rate and the closing actually happen. Our preferred lenders price buydowns accurately and have a record of closing on time, and we work with more than one, so you still choose. You're free to use any lender for your purchase, but this program applies only with ours. New construction promos use the builder's own lender.
It depends on what matters most to you. A lower price means a smaller loan and less interest over the life of the loan. A buydown means a lower monthly payment in your first years in the home, and the payment returns to your loan's full rate once the buydown ends. Tell us which matters more and we'll build your offer around it.
Some builders in the Dallas-Fort Worth area offer special rate promotions. Our last client, Faith & Randall, bought new construction and we negotiated their first-year rate at 4.99%. Programs vary and change often, and the builder's lender confirms your rate. We help you compare builders and negotiate.
More than 250 homes for sale in the Dallas metro have an existing loan you can take over, with rates starting at 2.99%. Most assumable loans are FHA or VA. You keep that rate, and you bring the difference between the home's price and the loan balance. The lender has to approve you, and we search Dallas for these homes for you.