Welcome back to America’s #1 Daily Podcast, featuring America’s #1 Real Estate Coaches and Top EXP Realty Sponsors in the World, Tim and Julie Harris. Ready to become an EXP Realty Agent and join Tim and Julie Harris? Visit: https://whylibertas.com/harris or text Tim directly at 512-758-0206.
*******************
2025’s Real Estate Rollercoaster: Dodge the Career-Killers with THIS Mastermind! ????
Is 2025 hitting your real estate hustle like a rogue wrecking ball? You’re not imagining it—this market’s a BEAST! ???? Leads are playing hard-to-get, competition’s got claws, and clients are side-eyeing every move. For too many agents, the vibe’s less “top producer” and more “where’d my mojo go?”
But hold up—there’s a way to flip the script before its too late! ????
Join real estate rockstars Tim & Julie Harris for their Exclusive Mastermind Webinar—a no-BS, action-packed session where they’re sharing the secrets on how top agents are CRUSHING the 3 deadliest problems tanking careers in 2025:
???? Proven, Powerful Lead Gen Systems : Unlock strategies that pull in leads like moths to a flame—tailored for TODAY’S market.
???? Real Estate Systems That Stick: Get simple, repeatable playbooks to take back control and keep your pipeline POPPIN’.
???? Branding That Magnetizes: Learn how to make sellers swoon and pick YOU over the competition.
“Tim & Julie’s playbook TRIPLED my listings. Game-changer!” – Mike R., Top Agent ????
⏰ Only 177 seats left! This ain’t a fluffy seminar with recycled advice. No replays, no do-overs—just straight-up, market-specific solutions to get you UNSTUCK.
???? Snag your spot NOW: harrismastermind.com <——–
P.S. If you’re already obsessed with Tim & Julie’s podcast, brace yourself—these masterminds are next-level! Deeper insights, faster results, and a rocket boost to your career. Don’t sleep on this—reserve your seat before they vanish!
*******************
???? The Great Rate Divide
Most buyers today believe their only option is to finance at 6.7%—and that belief is costing them hundreds of dollars a month, thousands a year, and possibly the home of their dreams.
What they don’t know is that smart, well-informed buyers are still locking in rates closer to 4%—without waiting for the Fed, without needing perfect credit, and without magic.
The key? Knowing which financing strategies unlock lower payments and how to structure your offer or listing around them. This isn’t theory—it’s math. When you understand the tools available in today’s market, you can give your buyers a massive financial edge and stand out from every other agent who’s simply quoting the going rate.
If you’re ready to learn exactly how to help your buyers (or yourself) beat the average and win the deal, read on.
HUGE Announcement: You will love this! Looking for the full outline from today’s presentation? Our DAILY Newsletter featured lead generation systems, real estate scripts, daily success plans and (YES) the notes or today’s show. Best part? The newsletter is free! https://harrisrealestatedaily.com/
???? 5 Strategies to Secure a ~4% Rate in a 6.7% Market
1. Assumable Mortgages: The 4% Opportunity Hiding in Plain Sight
An assumable mortgage allows a buyer to take over the seller’s existing home loan—including the original interest rate, balance, and term. In today’s 6.7% interest rate environment, assuming a 4% loan can mean saving hundreds of dollars per month.
????️ How to Know If a Loan Is Assumable
✅ Step 1: Identify the Loan Type
Some loans are more likely to be assumable than others:
- ✅ FHA Loans – Generally assumable with lender approval
- ✅ VA Loans – Assumable, but only by qualified buyers
- ✅ USDA Loans – Often assumable under specific conditions
- ???? Conventional Loans – Typically not assumable unless specifically stated
???? Agent Tip: When showing homes or evaluating comps, check whether the seller’s loan type is FHA, VA, or USDA—it could mean a built-in financing advantage for the buyer.
???? Step 2: Review the Original Loan Documents
Request the promissory note or deed of trust to verify language that confirms assumability. Look for phrases like:
- “This loan is assumable”
- “Subject to lender approval”
- ⚠️ “Due on sale clause” (This usually means the loan must be paid off when the home is sold—unless the lender waives it)
???? Step 3: Call the Lender or Loan Servicer
Ask the seller for the contact info for their mortgage servicer. Then call and ask:
- Is this specific loan assumable?
- What are the lender’s requirements and fees for assumption?
- What is the current loan balance, interest rate, remaining term, and monthly PITI?
???? Agent Tip: The seller may need to sign a written authorization before the lender can discuss terms with you or the buyer.
Ready to become an EXPIRED Listing Agent? As promised, here is the discount link for the EXPIRED LISTING LEADS: REDX
???? Listing Agent Strategy:
If you’re representing the seller, find out if their loan is assumable before the home hits the market. If it is:
- ✅ Advertise it clearly in the public remarks and agent-to-agent comments
- ✅ Include loan details in flyers or listing packages
- ✅ Use assumability as a marketing hook to stand out from competing homes
???? Example:
- Home Price: $425,000
- Down Payment (15%): $63,750
- Loan Amount Assumed: $361,250
- Monthly Payment @ 4.0% (Assumed Loan): $1,724.66
- Monthly Payment @ 6.7%: $2,331.07
✅ Monthly Savings: $606.40
2. Rate Buydowns
Buyers or builders can pay points upfront to lower the interest rate for a set period—or permanently. Common structures include:
- 2-1 Buydown: Year 1 = 2% lower, Year 2 = 1% lower, Year 3 = full rate
- Permanent Buydown: Lower interest rate for the full 30-year term
This strategy is especially effective in new construction, where builders offer buydowns to move inventory.
???? Example:
- Buydown Rate (Permanent): 4.5%
- Monthly Payment: $1,830.40
✅ Monthly Savings vs 6.7%: $500.67
3. Alternative Financing Options
Options outside traditional lending may offer better rates or flexibility:
- Builder-backed loans with preferred lenders
- Portfolio loans from regional banks or credit unions
- Owner-carry or seller-financing options with negotiated interest terms
These alternatives may provide fixed or adjustable rates significantly below the market.
???? Example:
- Rate via Portfolio or Builder Program: 4.0%
- Monthly Payment: $1,724.66
✅ Monthly Savings vs 6.7%: $606.40
4. Creative Deal Structures (Subject-To / Rentals / BRRRR)
Investors and creative buyers use structures like subject-to financing, mid-term rentals, and the BRRRR method to lock in low-rate debt.
???? BRRRR = Buy, Rehab, Rent, Refinance, Repeat
This strategy involves buying a distressed property, rehabbing it to increase value, renting it out, and then refinancing into a long-term, low-interest mortgage. Once refinanced, investors often recover most of their cash while locking in favorable rates—especially when using small lenders or portfolio financing.
Some stack this with subject-to or seller financing to inherit a low existing rate.
???? Example:
- Refinance Rate After BRRRR or Subject-To: 3.5%
- Monthly Payment: $1,622.17
✅ Monthly Savings vs 6.7%: $708.89
REAL ESTATE LEADS, LEADS and more LEADS: Question: What is Tim and Julie Harris’s favorite PROBATE LEAD PROVIDER? Simple, alltheleads.com/harris
5. Offer-Readiness & Negotiation Strategy
The best rates go to the most prepared buyers. By being offer-ready (preapproved, flexible, fast), you create leverage to:
- Ask for seller-paid points or buydown credits
- Negotiate concessions like closing cost coverage
- Lock in deals before competition drives prices or rates higher
This strategy doesn’t guarantee a 4% rate—but it opens the door for concession-based savings that act like one.
???? Example:
- Negotiated Rate via Seller Buydown: 5.0%
- Monthly Payment: $1,941.76
✅ Monthly Savings vs 6.7%: $389.31
???? Strategy Comparison – $425,000 Purchase, 15% Down
| Strategy | Rate Used | Monthly Payment | Monthly Savings vs 6.7% |
|---|---|---|---|
| Traditional 30-Year Fixed | 6.7% | $2,331.07 | $0.00 |
| Assumable Mortgage | 4.0% | $1,724.66 | $606.40 |
| Rate Buydown | 4.5% | $1,830.40 | $500.67 |
| Alternative Financing | 4.0% | $1,724.66 | $606.40 |
| Creative Deal Flow (Subject-To / BRRRR) | 3.5% | $1,622.17 | $708.89 |
| Offer-Readiness & Negotiation | 5.0% | $1,941.76 | $389.31 |
✅ Conclusion: Don’t Wait—Strategize
Waiting for rates to drop is not a plan. It’s a delay tactic—and delay means missed opportunity.
Rates in the 6s and 7s are what the headlines say. But savvy agents and motivated buyers know that 4% is possible today with the right lender, property, negotiation, or structure. Whether it’s an assumable mortgage, a builder buydown, creative financing, or a subject-to deal, the leverage is out there—but only for those who are prepared.
This is your moment to lead with strategy, not sympathy.
???? Action Plan: How to Put This to Work Today
- Learn how to spot an assumable loan and check every listing you represent for that possibility. If it qualifies, advertise it!
- Talk to three local lenders or builders to learn what buydown, portfolio loan, and alternative financing options are being offered right now.
- Practice scripting around rate negotiation so you can confidently secure concessions and credits.
- Create a marketing piece for your buyers titled: “How to Get a 4% Rate in a 6.7% World” using this article.
- Roleplay presenting the BRRRR strategy or subject-to deals to investor-minded buyers.
- Join a coaching program that shows you how to master these techniques and turn them into income.
???? Ready to operate at the highest level and guide your buyers to better outcomes?
Join Premier Coaching at PremierCoaching.com
???? And if you’re ready to master this at the highest level—maybe it’s time for Elite 1-on-1 Coaching with Tim or Julie Harris.
???? Text Tim directly at 512.758.0206 to find out if it’s right for you.
