Smarter Way Home, powered by Envoy Mortgage, features approved listings where eligible buyers may receive a lender-paid 1-0 temporary buydown — lowering the first-year rate by 1%, funded by Envoy Mortgage.
Every featured listing gets an affordability story worth marketing: a first-year payment buyers can actually picture themselves making.
*Illustrative estimate based on a $400,000 loan, 30-year fixed term, and a lender-paid 1-0 temporary buydown reducing the effective first-year rate by 1%. The note rate remains unchanged for the life of the loan; borrowers are qualified and close at the full note rate. Available to eligible buyers, subject to loan program eligibility, underwriting approval, and program availability. Actual savings vary. Not a commitment to lend.
Available on featured listings to eligible buyers, subject to qualification and program terms.
Eligible buyers may receive a lender-paid 1-0 temporary buydown that lowers the first-year rate by 1% — funded by Envoy Mortgage. The note rate remains unchanged for the life of the loan.
Every featured listing gets a payment-first affordability breakdown buyers and agents can share — the number that makes a showing turn into an offer.
Where the scenario supports it, sellers may contribute credits toward additional buydown structures or closing costs, subject to loan program limits.
If rates fall, the buyer may refinance to a lower permanent rate, subject to qualification. The temporary buydown never locks a buyer in.
† Important: The lender-paid temporary buydown is subject to borrower qualification, underwriting approval, loan program eligibility, investor requirements, and program availability. Borrowers are qualified and close at the full note rate. The temporary buydown reduces the effective payment during the buydown period only and does not change the note rate or loan terms.
‡ Important: Seller-paid credits, concessions, closing cost assistance, and temporary buydowns are not required for participation in Smarter Way Home and are not guaranteed on any property. Any seller contribution must be negotiated directly between buyer and seller and documented in the purchase agreement.
Buyer qualification, underwriting approval, loan program eligibility, and program availability required. Buyers always retain full and unrestricted choice of lender; the program applies when financing through Envoy Mortgage.
The message is simple: this home comes with a funded affordability option — a 1% lower effective rate in year one, when moving costs hit hardest.
A defined affordability option attached to the listing supports more qualified showings and gives payment-sensitive buyers a reason to engage now.
A stronger buyer story without the conversation immediately turning to another price reduction. Affordability helps sell the home; the seller keeps their equity.
The value is the program itself: a defined, lender-funded affordability option your listing can lead with.
A lender-paid temporary buydown gives your listing a concrete first-year payment story.
Payment-focused marketing helps qualified, payment-sensitive buyers engage with the listing.
The featured campaign puts the affordability story — and your listing — in front of more of the market.
The listing is presented as a featured affordability opportunity rather than competing on price cuts alone.
A defined, lender-funded program is a concrete addition to your listing appointment.
Program terms, eligibility, and disclosures are defined up front, so the affordability story stays accurate.
Choose a buydown structure, loan amount and rate — the year-by-year payments update instantly.
| Year | Monthly Payment | Interest | Subsidy |
|---|
Payments shown are principal & interest only and exclude taxes, homeowners insurance, and Mortgage Insurance (MI). Educational estimate only — not a loan offer, rate quote, or commitment to lend. Borrowers are qualified and close at the full note rate. Program availability, terms, and pricing subject to change.
Calculator Disclaimer: Results are estimates for educational purposes only. Borrowers are qualified and close at the full note rate. Actual payments, savings, rates, subsidies, taxes, insurance, mortgage insurance, loan terms, and program availability may vary.
Every featured listing follows a clear path from submission to launch.
The agent or seller submits the property using the form below.
Scott reviews the listing against Smarter Way Home program criteria.
The affordability option is confirmed and the payment story is built.
The listing goes to market with the affordability option featured.
Agents and sellers submit listings here. Buyers can ask about any featured home.
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Submission of information does not guarantee loan approval, program eligibility, listing approval, or participation in the Smarter Way Home initiative.
Submit a listing above, or reach out directly to talk through whether Smarter Way Home fits your property or your buyer.
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