Loan Officer Tools · Seller Credit Optimizer
Show what the seller credit could do.
Compare three possible uses of the same entered seller credit—eligible closing costs, a permanent rate buydown, or a 2-1 temporary buydown—without inventing lender pricing.
Step 1 of 2
Enter the transaction and pricing
Use actual eligible costs and pricing from the lender or pricing source.
Transaction
Enter only costs the selected program permits the credit to cover.
Rate strategies
Use actual point or lender pricing.
Illustration only—not a Loan Estimate or pricing commitment. Rate and point pricing, interested-party contribution limits, eligible costs, temporary buydown requirements, and unused-credit treatment vary by lender, program, occupancy, LTV, and transaction. Confirm all figures and eligibility before sharing.