Reply to thread

I think you’ve nailed the core of what I was trying to get at with the rate buydown and warranty combo. I appreciate the heads-up on the legal gray areas; it’s definitely a tricky spot when it comes to presenting it cleanly to the customer. You’re right that transparency is key, laying out all the numbers upfront and getting everything signed should help cover the bases. I hadn’t fully considered the risk of a customer canceling the warranty after locking in the lower rate, so that’s something I’ll need to chew on. Maybe there’s a way to structure it to minimize that exposure, like tying the rate to the warranty more explicitly. I’ll dig into the documentation angle more to make sure it’s bulletproof if it ever gets scrutinized. Good food for thought, thanks again for the insight!