Home values are decreasing. Realtor's, buyer's and seller's of homes should look at the buydown mortgage as a great alternative. It helps the seller sell the home - that's good! The buyer qualifies for more home, gets a low rate...this is a win-win! The Realtor gets to sell the house at full (or close to full) sales price, and it helps keep the values of all homes around that sale...which is good for everyone! Buydown's were used by many in the day when rates were in the double digits and borrowers just couldn't afford to buy a home. It basically buys down the rate for 1, 2 or 3 years. Example: If the going rate is 6.25%, the 3-2-1 buydown rate would be 3.25% for the 1st year, 4.25% for the second, and 5.25% for the 3rd...the note rate of 6.25% would kick in for the remaining years on the 30-year note. Some people do not stay in there home that long. The interest is paid up front, and it can be a seller concession. So instead of accepting $6,000-$7,000 less in purchase price, the seller accepts full price minus the credit. The seller gets the same end result, but the incentive to buy is greater! The buyer gets a great deal, and qualifies for more home. The Sales Agent gets the full price, commissions are based off of that...why are you not doing this?