Explore three Atlantic Bay programs designed to give buyers another reason to take a closer look.
When a listing needs a fresh approach, a financing incentive may give buyers another reason to consider it. Through December 31, 2026, Atlantic Bay is offering three programs that give sellers and real estate agents additional tools to help a listing stand out.
Depending on the program, qualified buyers may receive a lender credit to be used for closing costs or an interest rate buydown when they finance the home with The Pyne Team at Atlantic Bay Mortgage Group. Here’s how each option works.
The Bottom Line
· Seller Success offers a lender credit of up to $5,000
· Seller Advantage can help fund a temporary or permanent rate buydown
· Buyer’s Edge offers a larger lender credit for eligible listings that have been on the market for 45 days or more.
Each program has different requirements, and the right fit depends on the property, buyer, and financing.
Seller Success: A Lender Credit for the Buyer
Seller Success offers a lender credit equal to 0.75% of the loan amount, up to $5,000, for a buyer who uses Atlantic Bay Mortgage Group to finance the home. It’s available for “For Sale By Owner” properties and homes listed with an agent. The seller or listing agent may choose to contribute an additional incentive, but that is optional. The Pyne Team will provide educational resources and marketing materials specific to the listed property.
There’s also a benefit for the seller’s next move! When a home is sold using the Seller Success program, the seller will receive a coupon for a lender credit equal to 0.75% of the loan amount, up to $5000, on their next home purchase with Atlantic Bay. To use the coupon, they must apply for financing within 90 days of the sale of their current home.
Buyer’s Edge: A Larger Credit for Eligible Listings
Buyer’s Edge offers a lender credit of 1.5% of the loan amount to qualified buyers who use Atlantic Bay Mortgage Group. The Buyer’s Edge program is for listings that have been on the market for 45 days or more.
Sellers and agents may also offer additional incentives where permitted, but those contributions are optional. The Pyne Team will provide educational flyers and other materials to help explain the program to prospective buyers.
Seller Advantage: Help With a Buyer’s Interest Rate
Seller Advantage is designed to help sellers offer a temporary or permanent interest rate buydown to a buyer.
Atlantic Bay may contribute a lender credit of up to 0.75% of the loan amount, up to $5000, toward the buydown. Any additional contribution from the seller or listing agent is optional. All contributions must meet program guidelines.
A buydown may lower the buyer’s rate for a set period through a temporary buydown or for the life of the loan through a permanent buydown.
The Pyne Team will provide educational resources and marketing materials specific to the listed property.
Which Program Might Fit the Listing?
Program | Potential buyer benefit | Listing focus |
Seller Success | Lender credit of 0.75% of the loan amount, up to $5,000 | Agent-listed and For Sale By Owner properties |
Buyer’s Edge | Lender credit of 1.5% of the loan amount | Listings on the market for 45 days or more |
Seller Advantage | Temporary or permanent rate buydown, with a lender credit of up to 0.75% of the loan amount, up to $5,000 | Sellers considering a rate incentive |
The incentive structure, buyer eligibility, and allowable use of funds depend on the transaction and applicable loan program guidelines. The Pyne Team can help compare the options and review the benefits for a specific listing and prospective buyer.
How to Get Started
If you’re a listing agent with a property that may benefit from one of these options, contact The Pyne Team at pyneteam@atlanticbay.com or 703-855-5158. Share the property address, and we’ll review the available programs with you and discuss next steps.
John Pyne NMLS # 396073. Licensed in DC, DE, FL, GA #396073, MD, NC, PA, SC, VA, WV. Lender credit amounts allowed up to applicable program guidelines. Permanent and temporary rate buydown is available only through eligible seller and/or lender concessions, subject to maximum contribution limits and applicable program guidelines. Seller contribution is subject to seller agreement and successful contract negotiations. Communication is intended for real estate and/or financial professionals only and not intended for distribution to the general public. Costs and fees apply for use of marketing services. All information is deemed reliable but is not guaranteed. Not all borrowers or loan programs will qualify. Excludes Construction-to-Permanent, Bond, Jumbo, ARM, and other ineligible loan products. Financing incentives and promotional offers are subject to change without notice. Not a commitment to lend. Atlantic Bay Mortgage Group, L.L.C. NMLS #72043 (www.nmlsconsumeraccess.org), Equal Opportunity Lender, 600 Lynnhaven Parkway, Suite 100, Virginia Beach, VA 23452