Builder credits and smart mortgage strategies can significantly reduce your monthly payments, saving you money right from the start.

In this episode, I talk with Stephanie Sacco of Michigan Power Brokers and Ray Nouhan III of Allen Edwin Homes about how first-time homebuyers and investors can benefit from using builder credits to lower their interest rates through a 2-1 buy-down strategy. This approach can cut your mortgage rate by up to 2% in the first year, saving you hundreds each month.

We’ll walk you through how it works and explain why this is a game-changer for anyone looking to make their home purchase more affordable.

If you're ready to save big on your next home, don't miss this episode. Tune in now to learn how you can start saving!

Timestamps:
00:00 Introduction
08:15 2-1 Buydown: How it reduces interest rates and saves buyers money
12:07 Importance of affordability
16:20 Maintenance-free homes and reducing homeownership costs
20:30 Benefits of new homes for investors
24:45 Quick move-in options: Showcase homes ready in 30 to 90 days
30:25 Strategies for first-time homebuyers to save a 3% down payment
33:18 Building wealth with property portfolios using small down payments
36:45 The importance of investing early for long-term gains
41:40 Health-conscious buyers prefer energy-efficient homes
45:28 Maintenance-free homes appeal to buyers for easy living
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Mike Hajjar is a seasoned Mortgage Advisor with over 17 years of lending experience, having successfully guided more than 2,500 families through the home loan process. His approach to mortgage planning goes beyond the transaction, focusing on long-term financial freedom by helping clients select the right mortgage, debt, and cash-flow strategies. Known for his integrity, transparency, and trust, Mike builds lifelong relationships with clients, offering support before, during, and well after the transaction. At Landmark Mortgage Planners, Mike's team leverages in-house underwriting, local appraisers, and a streamlined system to ensure loans close quickly—often in as little as 14 days. Whether working with first-time homebuyers, veterans, or retirees, Mike's commitment to communication and professionalism makes him a trusted advisor for all.

Mortgage Advisor NMLS# 382906
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Stephanie Sacco is the Broker Owner of Michigan Power Brokers, bringing over 30 years of real estate expertise in the Metro Detroit area. With deep market knowledge, master negotiation skills, and a passion for client communication, Stephanie is dedicated to helping clients achieve their real estate goals—whether they are buying, selling, investing, or leasing. Her personalized approach has built lasting relationships, resulting in consistent referrals and repeat clients year after year. From your first conversation to closing and beyond, Stephanie is committed to delivering an exceptional customer experience, leveraging her vast understanding of local communities, school systems, and housing options to meet the diverse needs of her clientele.

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Ray Nouhan III is a dedicated Sales Consultant at Allen Edwin Homes, where his passion for people and personal service shines through in every interaction. With a strong commitment to understanding his customers' needs and concerns, Ray works tirelessly to make each home-buying experience exceptional. Bringing his expertise and enthusiasm to Michigan’s #1 builder, Allen Edwin Homes, Ray is focused on helping clients find their perfect home. As a graduate of Grant Cardone University, Ray incorporates top-tier sales training into his approach, ensuring professional and personalized service every step of the way.

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#Finance #FirstTimeHomeBuyer #AffordableNewHomes #RealEstateInvesting

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