Answers by Robert Garcia

A mortgage interest rate buydown is a financing strategy where you (or someone on your behalf) pay money upfront to reduce the interest rate on a home loan—either temporarily or permanently. If you’re thinking like an operator, here’s the clean breakdown: 1) Permanent Buydown (Discount Points) You pay upfront at closing to lower the rate for the entire life of the loan. Example: Pay 1 point (1% of the loan amount) → reduce rate ~0.25% (varies by lender) Outcome: Lower monthly payment for 30 years This is a math decision, not an emotional one: If you’re not holding the property long enough, you lose money You need to calculate the break-even point (how many months until savings exceed upfront cost)

Go back and ask the cash offer to meet you in the middle.

a Realtor can help operationally—but we cannot override a court order or force cooperation. This is already a legal enforcement issue, not a marketing problem. Here’s the reality you need to understand: If a judge ordered the sale, both parties are legally obligated to cooperate. Your husband blocking access (cleaning, photos, showings) is not just “being difficult”—it can be considered non-compliance with a court order.