Turn Up the Heat on Your Listings with List & Lock™

Blog posted On July 30, 2026

With rates rising alongside these scorching temps, you might be wondering how to shine the light back onto your listings. Sellers and agents can rejoice because a gleaming solution exists: List & Lock, the rate reduction remedy you’ve been seeking! With our exclusive program, you can advertise discounted rates on your listings.*

How List & Lock Works

1. The seller determines the concessions they wish to contribute toward a lower rate
2. A discounted rate is secured (and transferrable to the buyer!)
   1. Lock now for $999 – A refundable 60-day rate lock, this is a good choice for markets when rates are expected to rise
   2. Lock later for just $49 – Another refundable option for stable markets, when rates are expected to drop
3. The property is marketed with a discounted rate, which can help the seller:
   1. Attract more buyers
   2. And sell faster!

If you’re a seller and need another incentive, there are extra advantages if you decide to utilize List & Lock. You’ll receive customized marketing materials, an extra 1% lender contribution, AND a credit up to $5,000 for your next purchase if you use us as your lender.**

What You’ll Get

• Discounted rate and boosted buyer interest
• Web page with rate options
• Open house flyers
• Customized paid ads
• Real estate sign
• Custom property ads

Benefits for Buyers

• Gain peace of mind in a competitive market
• Receive a discounted rate
• Boosted seller negotiations
• Affordable access to the American Dream of homeownership

Ready to Give Your Listings a Competitive Edge?

With List & Lock, you can help buyers overcome one of the biggest barriers to buying a home: the rate. By providing a discounted rate, you won’t have to lower your sales price and your buyer won’t have to stretch their budget.

Interested in learning more about List & Lock? There’s no time like the present. Boost those bids and put the limelight on your listings.

*This lock cannot be transferred to another property address. While List & Lock™ can help buyers significantly, it is not a guarantee to lend. If a buyer is interested in purchasing the listed home at the advertised rate, they must still qualify for the loan. The benefit is that they won’t have to qualify for the loan based on the higher market rates; instead, they will be qualifying on the List & Lock™ rate. They will have several loan options to choose from through List & Lock™ -- Conventional, FHA, VA, and select adjustable-rate mortgages (ARMs). The same type of credit and discount can be applied to other loan programs, but rate adjustments could occur. If you’re concerned your closing could extend beyond the 60-day period, contact your loan officer to discuss extension possibilities.
**Home Seller has 1 year to execute the List & Lock™ & Save. The 1-year countdown starts either from date the loan funds on the List & Lock™ property or the lock expiration date (whichever is sooner). Only one List & Lock™ & Save transaction per List & Lock™ use. Not available on the All In One Loan™, HELOCs, Bond/HFA loans, Brokered loans, Regional investor loans, Construction loans, or 2nd liens. Cannot be combined with a lender credit or other credit program.