List & Lock™: Your Listing’s Secret Weapon

Blog posted On November 05, 2026

Selling a home takes more than a great listing price and a fresh coat of paint. Buyers are looking for value, affordability, and a reason to make their move. So, how can sellers and real estate agents make a property stand out without immediately slashing the asking price? Enter List & Lock™, your listing's secret weapon!

The Secret Strategy to Standing Out

Our program allows sellers to advertise a discounted mortgage rate to prospective buyers, helping make their property more attractive in a competitive market. And with an added incentive for sellers, List & Lock could be the win-win-win that buyers, sellers, and agents alike have been searching for.*

Here's why that matters:

• For sellers: Attract more potential buyers while helping protect your asking price
• For agents: Differentiate your listings with an attractive financing incentive that could help generate more interest and offers
• For buyers: Take advantage of a discounted mortgage rate that could make monthly payments more affordable

How List & Lock Works

1. The seller determines how much they wish to contribute toward a lower rate
2. They secure a discounted rate:
   1. Lock now – A refundable 60-day rate lock, this is a good choice for markets when rates are expected to rise
   2. Lock later – Another refundable option for stable markets, when rates are expected to drop
3. The property is marketed with a discounted rate:
   1. We build out all the advertising & marketing:
      • Customized open house flyers showcasing discounted mortgage rate options
      • Single-property websites highlighting the listing and available financing options
      • Sign riders and QR codes directing interested buyers to more information
      • Social media content, digital ads, and promotional videos to help spread the word
4. The buyer purchases the property at a discounted rate!

A Little Something Extra for Sellers

List & Lock isn't just about helping sellers attract buyers. Through List & Lock ™ & Save, eligible sellers can also receive up to $5,000 in closing cost savings on their next home loan when they finance their next purchase with us.**

For homeowners planning to sell and buy again, it's an added advantage that could make their next move a whole heck of a lot easier!

Give Your Listing the Competitive Edge

Whether you’re a seller or an agent, you’ll have the immense power of List & Lock’s marketing tools at your fingertips, ready to claim buyer interest left and right for your listing. Is now the time to tap into the full real estate potential that awaits you? You know who to call!

*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.