Loan Products That Can Save You Money💰

Loan Products That Can Save Your Buyers Money: A Guide from The Shanna Day Real Estate Team

Posted by The Shanna Day Real Estate Team on September 10, 2025

At The Shanna Day Real Estate Team, we’re passionate about making homeownership a reality for every buyer, no matter their circumstances. With the real estate market constantly evolving, finding the right financing options can make all the difference. That’s why we partner with top lenders like Envoy Mortgage to bring you innovative loan products that save money, reduce stress, and open doors to homeownership. Whether your buyers are first-timers, seasoned investors, or proud military families, these programs are designed to make their dreams more affordable. Here’s a closer look at some standout options and why they matter.

Envoy RateSaver: Temporary & Permanent Buydowns

One of the most exciting ways to save money upfront is through a buydown, which temporarily or permanently lowers a buyer’s interest rate. Envoy’s RateSaver program offers flexible options, including lender- or seller-paid buydowns, to make homeownership more affordable from day one.

• Step-Down Savings: Buyers can enjoy reduced monthly payments with interest rate reductions of 1%, 2%, or even 3% in the first year(s). This provides immediate financial relief, especially in the early stages of homeownership when budgets are tight.
• Seller Advantage: Sellers can use temporary buydowns as a powerful tool to attract more buyers, making their property stand out in a competitive market.
• Why It Matters: Lower payments upfront give buyers breathing room to settle into their new home, save for future goals, or manage other expenses.
  

Envoy Home Assist: Down Payment Assistance

For many buyers, the biggest hurdle to homeownership is the down payment. Envoy’s Home Assist program connects buyers with hundreds of down payment assistance options tailored to their needs and location.

• Zero Down Options: Some programs allow buyers to enter homeownership with no down payment, breaking down barriers for first-time buyers or those with limited savings.
• Localized Solutions: Assistance programs vary by state and region, ensuring buyers get support that fits their market.
• Beyond Down Payments: Many programs also offer interest rate reductions, further lowering the cost of owning a home.
• Why It Matters: These programs make homeownership accessible to more people, helping buyers achieve their goals sooner than they thought possible.

Envoy Boomerang: Buy Now, Refinance Later

In today’s market, buyers often wonder whether to buy now or wait for lower interest rates. Envoy’s Boomerang program offers a smart solution, giving buyers the confidence to purchase today while keeping future savings in sight.

• Purchase with Peace of Mind: Buyers can secure their dream home now without worrying about being “locked in” to a higher rate.
• No Lender Fees on Refinancing: When buyers refinance through Envoy, lender fees are waived, maximizing long-term savings.
• Why It Matters: This program protects buyers from market uncertainty, ensuring they can take advantage of future rate drops without extra costs.
  
  

Envoy Military: Homeownership for Veterans & Active Duty

We’re proud to support our military families with Envoy’s Military program, designed specifically for veterans and active-duty service members.

• VA 100% Purchase Loan: Eligible buyers can purchase a home with no down payment, making it easier to transition into homeownership.
• No Private Mortgage Insurance (PMI): By eliminating PMI, this program maximizes purchasing power and keeps monthly payments low.
• Flexible Credit Guidelines: Tailored solutions ensure military families can qualify, even with unique financial situations.
• Built-in Protection: Buyers can purchase with confidence, knowing they can refinance later if rates drop.
• Why It Matters: This program honors those who serve by making homeownership more affordable and accessible.

The Bigger Picture: The Value of Homeownership

Beyond immediate savings, homeownership offers significant long-term financial benefits, particularly through tax savings. We encourage buyers to explore these benefits using the PLACE Mortgage Calculator app and its “Value of Homeownership” presentation.

• Real Savings: Input mortgage interest, property taxes, and other deductions to see how they translate into annual tax savings, reducing the true cost of owning a home.
• Clear Explanations: Our team uses provided scripts to walk buyers through how these tax benefits contribute to financial growth over time.
• Why It Matters: Understanding the full financial picture empowers buyers to make informed decisions and see homeownership as a wealth-building opportunity.
  
  

The Bottom Line

From lowering interest rates with buydowns to leveraging down payment assistance, refinancing with confidence, or utilizing veteran-specific programs, these loan products make buying a home more achievable in today’s market. At The Shanna Day Real Estate Team, we’re committed to guiding buyers every step of the way—helping them save money, build equity, and secure a brighter financial future through real estate.

Ready to explore these options for your homebuying journey? Contact The Shanna Day Real Estate Team today to find the perfect loan product for your needs!

Disclaimer: Loan product availability and terms are subject to change. Contact Envoy Mortgage or The Shanna Day Real Estate Team for the most up-to-date information.