4.94 176 reviews
Michael helped so much through the whole process. Wouldn’t have got it done without all the help. Peter N. on Google
View All

The Affordability Playbook

Create More Affordability. Generate More Visibility. Sell More Homes.

The Affordability Playbook

The Affordability Playbook — How It Works in 3 Steps

Your listings aren't stuck on price. They're stuck on payment. We fix the one thing we can control: the rate. A seller-paid buydown lowers the buyer's monthly payment for the life of the loan, and the seller often nets the same or more.

Here's how we get it in front of people:

1. The Listing Link — The Education: One link that does the teaching for you. It breaks down the buydown, runs the numbers with a built-in calculator, shows the real monthly savings, and walks the buyer through the approval process. Not just "here's the house," here's why the payment works.

2. The Flyer — Boots on the Ground: The printed piece for your open houses and on-site visits. Every buyer who scans it lands right back on the Listing Link, so the in-person traffic feeds straight into the full affordability story.

3. Social Promotion — The Reach: We take that same link and put it in front of 15,000–50,000 people over a 10-day window. Targeted, trackable, and built to drive traffic back to your listing.

Three tools, one loop: educate, capture, expose.

Let's grab 15 minutes and walk through it on one of your listings. That's all it takes to see if it moves the needle.

See How We Can Create Affordability Through Rate Buy-Downs Yourself

Here's the home

The price, your down payment, and your payment at today's rate.

Home Price
Your Down Payment
Today's Rate
Your Monthly Payment
Loan details
Down payment
Loan amount
Term 30-year fixed
Payment shown Principal and interest
A lower rate lowers your payment

A buydown lowers your rate for the life of the loan.

Today's Rate
Your New Rate
Your New Monthly Payment
Your Monthly Savings
Savings details
Yearly savings
Interest saved over the loan
Buydown type Permanent, 30-year fixed
What does it cost you?

The seller can cover the cost with a Buydown Cost (Seller Credit).

Buydown Cost
Seller Pays
You Pay
Same home, more room in your budget

Your buydown frees up money every month for the things that matter to you.

Your payment goes down
Monthly payment today
With the buydown
per month
or
per year
Put your savings wherever life needs it
Groceries
Loans
Gas
Childcare
Savings
Quality of life
Summary details
Today With the Buydown
Interest rate
Monthly payment
Buydown cost
Seller pays
You pay

This walkthrough is for example purposes only and is not an offer to lend. Example payments shown here include principal and interest on a 30-year fixed loan, and don't include taxes, insurance, or mortgage insurance. Actual rates, payments, and costs vary by lender and buyer.

Let's Look At One Of Your Listings

Give me 15 minutes.

➡️ I'll show you how we can create affordability

➡️ I'll show you how we can create visibility

➡️ I'll show you how we can help sell more homes

Schedule A 15-Minute Strategy Call

Best regards,

Michael Thayer, CMPS, CMA

NMLS #173264

Planet Home Lending, NMLS #17022

Explore Buyer & Seller Resources & Next Steps

+ −

Market Timing vs. Market Strategy: When Is the Right Time to Buy... And More Importantly, Why?

Calculators & Loan Programs Questions Answered: Mortgage Programs & Financing Calculator

Smart Financing Strategies to Lower Your Monthly Mortgage Payment: Smart Mortgage Strategies & Financing Hacks

Homebuying Roadmap: Your Mortgage GPS

Moving To Middle Tennessee: Moving To Middle Tennessee Resource Center

Search Open Houses: View All Middle Tennessee Open Houses

Main Resource Hub: Buyers, Sellers, Realtors, and Builders Resources and Strategies

Additional Information & Reference Guides

+ −


Sample Ad - Our Plan to Create Visibility Image Overview

+ −

What this image communicates

“Sample Ad - Our Plan to Create Visibility” establishes the visual entry point for this part of “The Affordability Playbook.” Its primary visual message framing helps the reader understand how to make one topic recognizable at a glance and give the reader a clear entry point into the deeper explanation on the page. The decision underneath the graphic is whether presentation, price, payment framing, exposure, property condition, and buyer feedback are producing the right market response. The visual presents “Sample Ad - Our Plan to Create Visibility” as a sequence with dependencies. Its order matters: one confirmed input creates the next task, and an unresolved item can stop the file, listing, or purchase from advancing. By turning the process into visible stages, the graphic lets a reader identify the current position, the next handoff, and the deadline or evidence that controls progress.

Why it belongs on this page

The Affordability Playbook presents a sample advertisement that shifts attention from headline price to the buyer's complete affordability picture. The visual should explain how seller dollars, payment scenarios, concessions, and property-specific marketing can be shown responsibly. It is useful as a conversation and campaign concept only after figures, disclosures, lender assumptions, property details, and advertising compliance have been checked for the exact listing. The primary visual message role of “Sample Ad - Our Plan to Create Visibility” is the reason this image belongs at this point in “The Affordability Playbook.”

The exact story carried by this graphic

The sample advertisement is designed to create visibility by giving a buyer a financial reason to look again at the listing. Its message should connect the property with an accurately calculated payment or concession strategy, not imply that every viewer receives the same financing. The useful review sequence is to verify the listing facts and seller-approved terms, build compliant scenarios, label assumptions, link to the exact property or explanation, and track whether the ad produces qualified conversations rather than only impressions.

How a reader can use it

Use “Sample Ad - Our Plan to Create Visibility” for its stated primary visual message job on “The Affordability Playbook.” Identify the claim, chart, comparison, process, property feature, or strategy shown and connect it to the exact decision the page addresses. The working notes for this panel should record the literal claim or comparison shown, the page fact it supports, the source behind that fact, and the decision the reader should make next. That record lets the reader distinguish a visibility problem, value objection, payment objection, property concern, or process obstacle before defaulting to another price cut without asking this image to answer a different stage of the decision.

What still must be verified

The image is valuable because it frames the right issue, not because it proves the answer. A marketing graphic cannot guarantee traffic, offers, sale price, appraisal, buyer qualification, property condition, or a particular time on market. “Sample Ad - Our Plan to Create Visibility” remains educational until the current borrower, property, market, and transaction evidence supports a specific conclusion. On “The Affordability Playbook,” that safeguard applies specifically to the primary visual message role assigned to “Sample Ad - Our Plan to Create Visibility.”

See This Strategy In Action

We Can Help Show Buyers What Matters To Them: The Payment & The Rate

We Can Help Show Buyers What Matters To Them: The Payment & The Rate
Image

Sample Open House Flyer - Download, Print and Display

Page 1 of 1
Download

Sample Ad - Our Plan to Create Visibility

Sample Ad - Our Plan to Create Visibility
Image