Home browsing is live in Birmingham. Now you can see your savings on every listing.

Buying a home should be clear. Today we launched home browsing for Birmingham on Homepoint with a built-in view of your savings on each property. When you open a listing you will see a green Buyer Advantage panel beside the photos. It does the math for you in plain language.

What you will see:

• Rate Buydown Potential. An estimate of how much you could lower your interest rate on this home using deal credits that meet loan guidelines.

• Monthly and lifetime savings. A quick look at what that rate change could mean for your payment and long-term cost.

• Your commission savings. We charge $5,000 paid at closing for buyer representation. The difference compared to a typical 3 percent becomes your buying power.

Why this matters:

• Lower payment. Turn your fee structure into a lower interest rate.

• Stronger offer. Use credits to improve terms without changing what the seller nets.

• Predictable cost. One simple fee with a licensed agent supported by smart software.

How it works on a real listing:

1. Browse homes on Homepoint and open any property.

2. The Buyer Advantage panel estimates your Rate Buydown Potential and shows the commission savings from our flat $5,000 fee.

3. When you are ready to offer, your agent uses that room in the deal to request lender-approved credits or to structure price and concessions so the seller nets the same while you get a lower rate or covered closing costs.

4. You choose how to apply your buying power: permanent rate buydown, closing costs, price reduction, or a more competitive offer.

A quick example:
On a $650,000 home, a typical 3 percent buyer-agent commission would be $19,500. Homepoint is $5,000. That is $14,500 of potential advantage. Depending on lender pricing and market conditions, that could show as roughly a 0.5 to 0.6 percent rate reduction and around $175 per month in the sample scenario you will see on the panel. Numbers will vary by lender and day, but the mechanism is the same. Your fee structure becomes your advantage.

What you can do with your buying power:

• Buy down your rate to reduce the monthly payment.

• Cover closing costs to keep more cash in your pocket at move-in.

• Reduce the purchase price when the seller prefers price over credits.

• Make your offer more competitive by improving terms while keeping the seller’s net the same.

Getting started is simple:

• Start browsing on Homepoint and check the Buyer Advantage on any listing.

• Schedule tours right from the property page.

• Talk to an agent about how to structure your offer to capture the savings.

Is this a rebate?
No. In Alabama and Tennessee we do not provide commission rebates. Savings come from our fee structure and are applied through lender-approved credits, seller concessions, price strategy, or a combination of these, subject to loan guidelines and seller agreement.

Does this work on any home?
Yes, browse active listings and you will see the Buyer Advantage panel on the property page.

Do I still get a dedicated agent?
Yes. You work with a licensed Homepoint agent from search to closing, supported by our software so the process is easier to follow.

Are you going to add more areas?
Yes. We will be adding more coverage over the next couple of weeks. Even if a home is not shown, Homepoint can help you buy any home for sale in the states of Alabama or Tennessee.

Browse homes and see your rate drop potential