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Michael Chad Smith

Michael Chad Smith Senior Loan Officer

NMLS ID: 397711

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Movement Blog

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October 6, 2026

Rates Are Up. Here Is How Homebuyers Are Permanently...

Seller concessions hit a record 44.7% of home sales in August. Here is how buyers are using that leverage to fund a permanent rate buydown and lock in a lower rate for the life of their loan.

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