RateReserve™ by V.I.P. Mortgage, Inc.

Preserve Value. Improve Affordability. Drive Demand.

Discover how much more affordable your listing could be in just 60 seconds!

How It Works

A Smarter Way to Spark Buyer Interest

Here’s how RateReserve™ empowers your listing:

Commit to a Credit of 2%-6%

of the loan amount to be used as a permanent interest rate buydown for the buyer

✔ Promote stronger financing terms directly to a property listing ✔ Built for long-term affordability ✔ Multiple program rate offers ✔ Built in Rate Protection by V.I.P. Mortgage, Inc. for rising rates ✔ Flexibility to the buyer if rates fall

We'll Generate a Custom Rate Menu

based on your credit and today's market pricing - across multiple loan products

Reserve Scenarios for 60 Days

with just a $995 upfront fee.

Upfront fee covers a number of valuable services including: ✔ Costs associated with broad rate protection for 60 days ✔ Administrative processing ✔ Professionally designed marketing materials to support your sales efforts * Upfront fee is non-refundable once collected

Get Turnkey Marketing Assets

to promote your rate-driven offer and boost visibility.

Why It Works

Sell Smarter, Not Lower

Offer a lower monthly payment—without cutting your asking price
Preserve pricing power in changing markets
Attract more qualified buyers by improving affordability
Stand out with professional rate marketing materials
Reduce time on market with a more competitive offer

Why It Works

Compare the Buyer’s Monthly Payment

Scenario	List Price	Buyer Rate	Buyer Monthly Payment	Buyer Monthly Savings	Cost to Seller
List Price / Market Rate	$650,000	7.125% (7.597% APR*)	$3,941	—	—
3% Price Reduction	$630,500	7.125% (7.598% APR*)	$3,823	$118	$19,500
RateReserve™ 3%	$650,000	5.99% (6.713% APR*)	$3,504	$438	$19,500

Example scenario is based on a 30 Year Fixed Conventional, 10% down payment. Pricing based market conditions as of 8/13/2025 with a FICO of 720. Taxes, Insurance, and Mortgage Insurance not included in quoted payments. The rate posted may vary depending on past credit history, down payment, and approximate term. All loans are subject to approval. Terms and conditions may apply. These rates are for general market awareness and should not be considered a live quote. *Annual Percentage Rate.

You keep your price. The buyer gets a better payment. Everyone wins.

Why Choose RateReserve™?

Reach more buyers—especially those limited by interest rates
Boost listing appeal with eye-catching, rate-based marketing
Accelerate sales timelines—move inventory without price drops
Strategic and customizable—works with a variety of market approaches

Ready to Offer Something Better?

Whether you’re a seller, builder, or agent, RateReserve™ helps you bridge the gap between market conditions and your goals. Let’s talk about how it fits your strategy.

All loans subject to underwriting approval. Terms and conditions apply. Offer subject to change without notice. Outcomes are not guaranteed. Always consult with your tax advisor to understand deduction eligibility.