• With a 3-2-1 buydown mortgage, the borrower pays a lower than normal interest rate over the first three years of the loan.
• The loan interest rate is reduced by 3% in the first year, 2% in the second year, and 1% in the third year; for example, a 5% mortgage would be just 2% in year one.
• After the buydown period ends, the lender charges the full interest rate for the remainder of the mortgage term.

If more sellers/agent spoke about this option, it would certainly cure problems the market is having. It would cost the seller a little in the final equity/profit amount, but that would be no different than negotiating/compromising  the final sales price anyway.