Payment Reduction Loan Program for Borrowers

Introducing the Payment Reduction Loan Program

We are thrilled to unveil our innovative MoveTube Payment Reduction Loan Program, designed to provide significant benefits to eligible buyers of qualifying properties listed by agents partnered with Wade Betz of Mpire Financial on the MoveTube platform. For the first year, this program reduces your interest rate by 1% through a lender-paid temporary rate buydown or offers a lender credit of equivalent value. Sellers of MoveTube-listed properties represented by one of our partnered agents may also qualify for this program if they are eligible borrowers purchasing a qualifying property in a state where The Betz Team is licensed. This program is a unique opportunity to make your next move more affordable and stress-free!

What is a Lender-Paid Temporary Rate Buydown?

A temporary rate buydown reduces the effective interest rate a borrower pays during the early years of a mortgage by depositing a lump sum (often called a “subsidy”) into a buydown account. Each month, a portion of this subsidy is released to reduce the borrower’s payments. With a lender-paid temporary rate buydown, the lender covers the cost, allowing the borrower to benefit without any upfront expense.

Benefits of the Payment Reduction Loan Program

  • Ideal for High-Interest Rate Environments: Directly benefits borrowers, making it an excellent option during times of high interest rates.
  • Lower Monthly Payments: Enjoy reduced interest rates for the first year, leading to lower monthly payments.
  • Financial Flexibility: Use the monthly savings for renovations, upgrades, or new furniture for your home.
  • Potential for Refinancing: Borrowers may refinance to a lower rate after the initial buydown period, especially in a high-interest rate environment.
  • Smooth Transition to Homeownership: Eases the shift from renting to buying by providing a lower initial mortgage payment.

Interested in Learning More?

Schedule a time with our team to discuss your unique situation in detail! Please note that the Payment Reduction Loan Program cannot be combined with other promotional programs or offers. We’re excited to help you explore your options and take the next step toward achieving your homeownership goals!

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Reviews

"10/10 service!!!! Wade and his team went above and beyond to make sure we closed on our home. With a few hiccups and hurdles in the last hour they did navigate each step efficiently. I would definitely recommend them to assist with anyone looking to obtain a loan. Thank you 👍🏼"

camellia valenciano

"Wonderful"

cynthia green

"In 2015 Wade and his team helped us get into our first home, fast forward 8 years things have changed and due to a divorce hard decisions had to be made concerning the ownership of the house. From the beginning, even though we’ve never met in person Wade and team has given me solid advice over the phone, through annual check in’s and monthly words of inspiration through emails. But the one thing that has stuck with me and I have begun using it in everyday life is when he recently told me. “I am going to tell you what you NEED to hear, not what you WANT to hear.” Going through a divorce isn’t easy but sometimes you need someone like Wade to guide you and even though this time he was not our broker he will always be there to tell me what I need when it comes to his expertise. This make’s me feel like I am a forever client of his and you can’t go wrong with Wade Betz and team. I move into my new house today and with his words of wisdom I feel like I’m “Winning!” Thank you, Wade and team."

adriana hernandez

"This Team of friendly, knowledgeable and very patient professionals will make your dreams of owning your OWN Home come true I am a Veteran and was so relieved to know that The Wade Betz Team has expertise in dealing with VA loans. And another bonus they worked with me to figure out a financial plan to pay off my debt. And when I moved into my brand new built home that already has 40 K in equity I was debt-free only Mortgage and utilities! I know the homebuying process can be up and down but this team was always available for me to call and ask questions they were all friendly and patient with me even though maybe sometimes I could be over bearing…This is my fourth house I have bought and one of the easiest transactions in the best transactions I have had. I was almost sad when I finally signed at the title company because I felt I was no longer going to call or talk to the Wade Betz team . But they assured me that they were always there for me with anything that I needed and I feel like they have kept their promise. I also would like to add that Wade Betz does a lot for the Veteran community and I so appreciate that. Honestly don’t be afraid to pick up the phone and give this team a call with any question that you have it’s not like there after your money they really genuinely care about people‘s quality of life and getting you the best mortgage for your home. Home ownership is awesome it is your bank account and I believe it is a crime for people to rent. The possibilities are endless for anybody☺️"

melanie wheeler

"We refinanced our house, which normally would be a confusing and bureaucratic process. However, we had a great experience with Wade and his team. They were very responsive answering our questions and they helped us quickly navigate all the requirements. I highly recommend Wade."

chris beauregard

"Wade and his team’s service was second to none. His focus to detail and follow through during the home closing process made our lives much easier. I look forward to working with Wade and team in the future and would recommend his group to anyone looking for a great mortgage broker!"

benjamin lessner

"I appreciate Wade’s team. We went through multiple deals that fell through. His team kept fighting for us. Finally we were able close, even with details in the air up until the ink was on the paper."

paul brawner

"Wade and his team were on top of everything from pre-approval to closing. As a first time home buyer I didn't have to worry about anything and any questions I had were answered promptly."

adrian kotey

"Wade and his incredible Team did it again!!! Wade has been my mortgage broker for years. He has always helped me achieve my financial goals with my best interest at heart. Even with higher interest rates! Thank you Wade!"

michael lieberman