2 min read
Temporary vs. Permanent Buydowns: Picking the Right One for Your Client
A temporary buydown eases the first years; a permanent buydown lowers the rate for the life of the loan. How to match the right buydown to each client's plan.
The Knock blog
Recent Blog Posts
Page 2 of 7
2 min read
Seller Credits & Rate Buydowns: Payment Solutions Every Loan Officer Should Know
When a client balks at the rate, payment solutions beat objections. A loan officer's guide to seller credits and temporary vs. permanent buydowns.
2 min read
Marry the House, Date the Rate: Helping Clients Weigh Waiting vs. Buying Now
"I'll wait for rates to drop" has a hidden price tag. Help clients weigh the real cost of waiting vs. buying now — and the refinance that keeps doors open.
3 min read
Make the Payment Make Sense, Not Just the Rate
Clients buy a monthly payment, not an interest rate. How loan officers can shift the conversation to the number that matters — and the levers that move it.
3 min read
Unique Ways to Overcome the “Rate” Conversation: A Loan Officer’s Playbook
When a client stalls on rate, the deal isn't dead — the conversation needs reframing. Five loan-officer-tested ways to move past the rate objection.
4 min read
How Knock Compares to Other Buy-Before-You-Sell Programs
Most buy-before-you-sell programs help you shop first — the real differences are cost, what happens if your home doesn't sell, and who keeps the upside. Here's how Knock compares.
3 min read
Using Your Home Equity to Trade Up to a Bigger Home
Your equity is the key to trading up. Here's how to turn the equity in your current home into the down payment on a bigger one — with HELOCs, cash-out refis, and 0%-interest bridge financing compared.
3 min read
How to Avoid Two Mortgage Payments When Upsizing Your Home
Upsizing usually means overlapping two mortgage payments. Here's how to avoid paying both out of pocket — by unlocking equity at 0% interest, covering old payments, and using a guaranteed backup offer.
2 min read
Can You Buy a Bigger House Before Selling Your Current One?
Yes — you can buy a bigger house before selling your current one. Here's how move-up buyers do it, what it takes to qualify, and how to avoid two mortgage payments and a weak contingent offer.
2 min read
Financing Options for Move-Up Buyers: How to Afford a Bigger House
A clear rundown of financing options for move-up buyers — HELOCs, cash-out refinances, traditional bridge loans, contingency offers, and buy-before-you-sell programs — and how each helps you afford a bigger house.
3 min read
How to Move Up to a Bigger Home Without Carrying Two Mortgages
Moving up to a bigger home usually means overlapping two mortgages. Here's how move-up buyers avoid that — using their equity to buy first, then sell, without two out-of-pocket payments.
4 min read
What Is a Contingency-Free Offer, and Why Do Sellers Prefer It?
Short answer: A contingency-free offer (also called a non-contingent offer) is a purchase offer that isn't conditioned on the buyer selling their current home, securing financing, or another event outside the seller's control. Sellers prefer it because it removes the biggest source of uncertainty in a deal — the risk that the sale falls apart weeks in, for reasons that have nothing to do with the house itself.
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