KATALYST KICKSTART
Lender Boost Program
Get an instant 1% rate reduction for your first year of homeownership - completely paid for by the lender. Lower payments from day one with no cost to you.
Purchase Details
Loan Details
KATALYST KICKSTART BENEFITS
Payment Comparison
Standard Rate Payment
Year 1 Katalyst Kickstart Payment
FIRST YEAR SAVINGS BREAKDOWN
SELLER'S AGENTS
Make Your Listing Stand Out—At No Cost to Seller
Give your listing a competitive edge with special financing that costs your seller nothing. The Katalyst Kickstart program attracts more buyers and generates urgency—all funded by the lender.
Why Sellers Love This Strategy:
- Zero cost to the seller—100% lender-paid program
- Market your listing with "1% lower rate in Year 1 available"
- Attract payment-sensitive buyers who can now afford your price point
- Create urgency—this special financing is only available on your listing
- No price reduction needed—offer real value without lowering the asking price
- Stand out in MLS and marketing with exclusive financing terms
Seller Presentation Script:
"Instead of reducing your price, we can offer buyers an exclusive financing program through Ethos Lending that gives them a 1% lower rate in year one—potentially saving them hundreds per month. This makes your home more attractive and affordable without costing you a penny. It's 100% lender-paid, and it's only available on your property through our preferred lender partnership."
MLS Marketing Language:
"SPECIAL FINANCING AVAILABLE! Katalyst Kickstart: 1% lower rate in Year 1! Lower monthly payments in your first year! 100% lender-paid program—no cost to buyer or seller. Available exclusively through Ethos Lending on this property. Contact listing agent for details."
Marketing Advantage:
This program turns your listing into the most payment-friendly option in the neighborhood. Buyers actively search for properties with special financing, and you'll capture those eyeballs without your seller paying a dime. It's the perfect solution for listings that need an edge or sellers who want maximum exposure.
Ready to make your listing irresistible? Let's activate Katalyst Kickstart today!
BUYER'S AGENTS
COMING SOON
Reach out to learn more and inquire about timing
Ready to Get Started?
Contact the Katalyst team today to learn more about this exclusive program
REAL ESTATE AGENTS
Enter your listing link below to see if your property qualifies and request a co-branded flyer
ETHOS LENDING RATE RELIEF PROGRAM
Frequently Asked Questions
Q1: What is the Katalyst Kickstart program?
A: It’s a lender-paid temporary buydown that reduces your interest rate by 1.00% for the first 12 months of your loan. You get a lower monthly principal & interest payment in Year 1, with no cost to you. After Year 1, the rate simply returns to the standard fixed rate you locked.
Q2: How much can I actually save on my payment?
A: Savings vary by loan amount, term, and rate. Some buyers can see up to $500/month (about $6,000 in Year 1), but your numbers are unique - use the calculator above for a personalized estimate. Any program caps and eligibility rules will still apply.
Q3: What happens after Year 1 - does my payment jump or does the loan change?
A: There’s no loan rewrite or ARM. In Month 13 your payment adjusts to the standard fixed rate you locked at closing. No balloon, no negative amortization, no recast—just the normal payment you qualified for from the start.
Q4: How is this different from a seller-paid buydown or a price reduction?
A: This is lender-funded, so it doesn’t use your cash or require the seller to contribute. It can help preserve the negotiated price while delivering immediate payment relief. In many cases, a lender-paid Year-1 buydown is more impactful to monthly affordability than a small price cut.
Q5: Does this change my APR or closing costs?
A: There’s no borrower cost for the Katalyst Kickstart benefit—the lender funds a credit that appears on your Loan Estimate/Closing Disclosure. Your disclosed APR may reflect the temporary buydown per regulation, but escrows, taxes, and mortgage insurance are unchanged by the program itself.
THE KATALYST TEAM
AT ETHOS LENDING
You Bring the Dream. We’ve Got the Mortgage.
Mike Hardy
Managing Partner
Rick Mount
Managing Partner
Kevin Sprague
Business Manager
Effortless. Efficient. Fast.
Secure Your Home Financing Today.
NMLS ID: 54483 ; Company NMLS ID: 1533336
(www.nmlsconsumeraccess.org)
Proudly Serving:
Arizona, California, Texas, Idaho, Tennessee, Colorado, Florida, Minnesota, South Carolina, Washington, Oregon, Indiana
15 Years Working Together
More than 10,000
Families Helped
Over $1 Billion Funded
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437 S. Cataract Ave.
Unit #1-2
San Dimas, CA 91773
© ETHOS Lending, Inc.
2025 - All Rights Reserved.
ETHOS Lending, Inc., dba “ETHOS Lending”, NMLS #1533336, an Equal Housing Lender. Licensed by the Department of Real Estate Corporation Mortgage Loan Originator Endorsement, DRE #02103430.
26391 Crown Valley Parkway, Suite 230, Mission Viejo, CA 92691
This is not a commitment to engage in a loan transaction. All applications are subject to full credit and property approval pursuant to the lender selected. Services not available in all states, check our licensing by clicking HERE.