Catalyst Lending
Preferred Lender Benefit

See what the Catalyst Lending preferred lender benefit actually saves you.

Compare the preferred lender benefit loan side-by-side with a standard conventional loan below. Real numbers, updated live as you type.

The benefit can also be combined with credits from seller or agent.

This benefit can be utilized with FHA, VA, and USDA.

Two loans, one home. Which one keeps more in your pocket?

Edit the numbers in either card to match your scenario. The Catalyst side adds the Preferred Lender Benefit stack automatically.

Import from a listing
Recommended
Option 1 · Conventional Loan

Catalyst Lending
Preferred Lender Benefit

$
$
%
$
$
Total monthly payment$2,980/mo
Loan amount $400,000 · 5.750% Year 1 rate · 30 yr
Year 1 payment with the free 1-0 temporary rate buydown. Reverts to $3,240/mo at 6.75% for years 2–30.
Preferred Lender Benefits
  • 1% lender credit for closing costs
    1% of $400,000 loan amount
    $4,000
  • Free 1-0 temporary rate buydown
    1% lower rate — Year 1 savings
    $3,121
  • Free credit report
    A $130–$250 value
    $190
  • $600 appraisal credit
    Applied at closing
    $600
  • Payment difference vs Standard (Year 1)
    Catalyst Year 1 payment is lower
    $3,121
Estimated total benefit value$11,032
Option 2 · Conventional Loan

Standard Lender
Conventional Loan

$
$
%
$
$
Total monthly payment$3,240/mo
Loan amount $400,000 · 6.75% · 30 yr
What you don't get
  • 1% lender credit for closing costs
  • Free 1-0 temporary rate buydown
  • Free credit report
  • $600 appraisal credit
Estimated benefit value$0
Year 1 payment
$3,240/mo
No temporary rate buydown at a standard lender.
Year 1 with Catalyst
$7,911 in estimated first-year value
Buydown savings of $3,121 plus $4,000 lender credit, $190 credit report, and $600 appraisal credit — all against the same standard-lender scenario.
How it works

The 1-0 temporary buydown, in plain English.

01
You lock your standard rate
We qualify you at the note rate, so the loan is safe for the full term.
02
Catalyst funds the Year 1 buydown
We pre-pay interest to reduce your effective rate by 1% for the first 12 months.
03
You pay the lower payment all Year 1
Starting month 13, the payment steps up to the standard amount shown above.