Right now, one of the biggest hurdles for most buyers is interest rates. With CMG Home Loans' exclusive List & Lock™ advantage, you can ensure buyers get a discounted market rate on their mortgage, AND you can advertise lower market rates in your listing and your open houses. It's a win/win for sellers and buyers. It helps you attract more interest, sell faster, and in most cases save more money than a price reduction. And it helps buyers gain the peace of mind of a lower interest rate and more affordable access to the American Dream.

Highlights:

Up to 6% Seller Contribution: Sellers can contribute up to 6% toward lowering the rate

Flexible Rate Lock: They can lock the rate now (to prevent potential increases) for $999 (refundable) or they can lock the rate later (if they think rates will fall) for $49 (refundable)

Customized Marketing Material: We'll create loads of customized marketing material to advertise your client's listing with the discounted rate

Bonus 1% Discount: We'll contribute an extra 1% to lowering the rate further

$5,000 Credit: Upon successful List & Lock sale, your sellers will get up to a $5,000 credit on their next home purchase when they close with CMG Home Loans.

*Home Seller has 1 year to execute the List & Lock & Save. The 1-year countdown starts either from date the loan funds on the List & Lock property or the lock expiration date (whichever is sooner). Only one List & Lock & Save transaction per List & Lock use. Not available on the All In One Loan, HELOCs, Bond/HFA loans, Brokered loans, Regional investor loans, Construction loans or 2nd liens. Cannot be combined with a lender credit or other credit program.

**Lock cannot be transferred to another property address. While List & Lock™ can help buyers significantly, it is not a guarantee to lend. If a buyer is interested in purchasing the listed home at the advertised rate, they must still qualify for the loan. The benefit is that they won’t have to qualify for the loan based on the higher market rates; instead, they will be qualifying on the List & Lock™ rate. They will have several loan options to choose from through List & Lock™ — Conventional, FHA, VA, and select adjustable-rate mortgages (ARMs). The same type of credit and discount can be applied to other loan programs, but rate adjustments could occur. This program comes with lock and float options. If you lock your rate and you’re concerned your closing could extend beyond the 60-day period, contact your loan officer to discuss extension possibilities.