Higher rates are the seller's problem to solve.
When rates climb, fewer buyers qualify, and fewer buyers means sellers have to compete for the ones who are left. A prepared buyer can use that.
The Seller Participation Advantage is how Skyline Mortgage helps buyers ask the seller to put money toward the loan, so the buyer can bring the rate and the monthly payment down. Price reductions aren't the only way to get a deal done.
It starts at pre-approval, before the buyer ever writes an offer.
Both sides are leaving money on the table.
Most buyers don't know a seller can help pay to lower their rate. Most sellers don't know that offering this help is often a cheaper way to sell than cutting the price.
Aren't stuck with today's rate
With the right offer structure, a buyer can put seller money toward a lower rate and a payment they're comfortable with.
Don't have to cut the price
A targeted credit can reach more qualified buyers than a price reduction does, and the list price stays on the record.
Everyone gets what they want
The seller helps with affordability. In return the buyer gives the seller what matters most to them: a clean offer and a closing they can count on.
The buyer gives certainty. The seller gives a credit.
A seller credit isn't a favor. The seller pays for a closing they can count on, and the buyer delivers one.
Education, strategy, and an offer built to win.
The Seller Participation Advantage pairs buyer education with a financing plan and an offer strategy, so every buyer we pre-approve knows exactly how much seller help to ask for and why.
Educate
Buyers learn how a higher-rate market works in their favor, so they can make decisions from facts instead of headlines.
Structure the ask
We size the credit to the loan program and the buyer's goals, and help the buyer's agent put it in an offer the seller wants to say yes to.
Lower the payment
The credit goes toward a buydown, closing costs, or both, depending on what does the most for that buyer.
Answer "rates are too high" with a plan.
Your buyers are waiting for rates to drop. Give them a way to buy now and still get the payment they want.
How well you negotiate the credit can decide your buyer's rate.
- Turn rate fear into a plan
- Get stalled buyers moving again
- Stand out from other agents
A slow market gives buyers more room to negotiate.
- Fewer competing buyers
- More room to negotiate
- A lower rate and payment are on the table
We explain the options to your buyer so you can focus on the negotiation.
- Buyer consultation on every file
- Credit sizing by loan program
- Support from offer through closing
Keep days on market down without cutting the price.
Stale listings cost your seller money and cost you referrals. A credit offer gets more buyers through the door than another price drop.
Advertise the payment buyers can get, not just the price.
- More showings and offers
- Fewer days on market
- Stronger listing presentations
Your goal is to sell the home, not to keep it on the market.
- A faster path to your proceeds
- Less exposure to market swings
- Get on with the next move
Many buyers get more out of a credit than a price cut. We'll show them the numbers.
- Payment scenarios for your listing
- Buyers who are ready to close
- A smoother path to the closing table
It starts at pre-approval.
Every Skyline buyer hears about seller credits during pre-approval, so they know their options before they walk into a showing.
Application
A loan officer goes through the application with the buyer live, including how a seller credit could fit their purchase.
Strategy consult
Once pre-approved, the buyer picks the plan that fits their goal: the lowest monthly payment, the least cash to close, or a balance of both.
Written breakdown
The buyer and their agent both get a written summary with the pre-approval amount and a recommended credit range for the offer.
The offer
To get the credit, the buyer gives the seller what they value: a strong pre-approval, clear terms, and a lender who closes on time.
Buyer
Understands the market, how much leverage they have, and what they're trading for the credit.
Buyer's agent
Sets the credit amount and writes an offer the seller can accept.
Listing agent
Shows the seller why a credit is the better trade and gets the deal to closing.
A seller credit isn't a discount. It's the price of a sure closing.
It works for buyers and sellers when the market is tough on both of them.