Starter home
$350,000
- Savant credit
- $7,000
- Points it buys
- ≈ 2.2
- Rate
- 6.625% → 6.125%
- Payment
- $2,017 → $1,914
Saves $103/mo · $37K over 30 years
The Savant credit
Up to 2% back toward a lower rate.
Buy with Savant Homes
A Savant broker finds the home, prices the offer against recent sales and negotiates it.
Finance with Savant Lending
Up to 2% of the price comes back to you as a Savant credit at closing.
Buy down your rate
The credit pays for discount points, and the lower rate stays for the life of the loan.
Applied at closingShown on your Loan EstimateGeorgia purchases
Total savings with Savant
$47,940
Your Savant credit: $9,000
Without Savant credit
$2,627/mo
Rate
6.75%
APR
6.82%
With Savant credit
$2,494/mo
Rate
6.25%
APR
6.32%
$133/mo less — your credit buys 2.22 discount points.
Estimates based on .
What a rate buy-down is
Points paid at closing, a lower rate for 30 years.
A discount point is 1% of your loan amount, paid at closing, that lowers your interest rate for the life of the loan. Most buyers pay for points out of their own savings — or skip them.
The Savant credit pays for the points instead. Your rate drops, your monthly payment drops, and the cash for it doesn't come out of your pocket.
1 point
= 1% of your loan amount
≈ 0.25%
off your rate per point, depending on the day's pricing
30 years
the lower rate stays for the life of the loan
Worked examples
What 2% does at three prices.
10% down, 30-year fixed, 6.625% starting rate. Illustrative.
Move-up home
$500,000
- Savant credit
- $10,000
- Points it buys
- ≈ 2.2
- Rate
- 6.625% → 6.125%
- Payment
- $2,881 → $2,734
Saves $147/mo · $53K over 30 years
Larger home
$750,000
- Savant credit
- $15,000
- Points it buys
- ≈ 2.2
- Rate
- 6.625% → 6.125%
- Payment
- $4,322 → $4,101
Saves $221/mo · $79K over 30 years
Who qualifies
- You are buying a home in Georgia
- You buy with a Savant Homes broker
- You finance the purchase with Savant Lending
- [Confirm property types: primary residence, second home, investment]
Good to know
- The credit goes toward discount points to lower your rate.
- Loan programs cap credits toward a purchase — your Loan Estimate shows the exact amount.
- How much each point lowers your rate depends on the day's pricing.
- Refinances are not eligible.
Questions about the credit.
No. The credit is applied at closing to pay for discount points, which lower your interest rate. It shows on your Loan Estimate and your Closing Disclosure.
It depends on your loan amount and that day's pricing. As a rule of thumb each point lowers the rate about 0.25%, and your loan officer shows you the exact trade before you lock.
To get the credit, yes — you buy with Savant Homes and finance with Savant Lending. You are never required to use either one to use the other.
Every loan program limits how much in credits can go toward a purchase, so the amount you can use depends on the program. [Confirm program-by-program limits with compliance.]
[Confirm how any amount above the program limit is handled.]
[Confirm: primary residences only, or second homes and investment properties too.] Refinances are not eligible.
Affiliated business arrangement
Savant Homes (Savant Real Estate, LLC) and Savant Lending are affiliated companies under common ownership. You are not required to use Savant Lending to buy with Savant Homes, or Savant Homes to borrow with Savant Lending, and you are free to shop for other providers. The Savant credit applies only when you use both.
[Full Affiliated Business Arrangement Disclosure text, ownership percentages and estimated charges — pending compliance review.] Read the full disclosure
Start with a pre-approval.
Pre-approval in about 2 hours. Your loan officer shows you what the credit does to your rate before you make an offer.