The first program that connects you with trusted Realtors® and lowers your mortgage payment
Connect with an expert RBN agent. Earn reward points from your home purchase at no cost to you. Use points before closing to buy down your mortgage rate by up to 0.375%.
Already working with an RBN Participating Agent?
Buying soon? Let’s make it easy. Please fill out this short form so we can help reduce your rate by up to 0.037%.
Need to connect with an RBN Agent first?
Get matched with a trusted local Realtor so you can earn points and unlock Rewarded Rate.
Participating RBN Agents Are From Trusted Local Brokerages Including
Brokerage logos remain the property of their respective owners and do not imply endorsement, sponsorship, or partnership. Logos and trademarks are displayed for identification and reference purposes only.
How It Works
Connect with a Local Realtor®
Work with expert RBN participating agents who provide trusted guidance to help you buy your home. Our agents are vetted for experience, performance, and client satisfaction to ensure you receive top-tier service throughout your home-buying journey.
Earn Reward Points
Your home purchase automatically earns you valuable RBN reward points at closing at no additional cost to you. These points come directly from your real estate transaction and have real value that can be applied to lower your mortgage rate.
Lower Your Mortgage Rate
Before closing, choose to use your reward points to buy down your mortgage interest rate. Your points convert into a lender credit that reduces your rate, saving you up to 4% on every monthly payment and thousands of dollars over the life of your loan.
Rewarded Rate Calculator
Estimate monthly and lifetime savings. Reward points may be used to buy down your interest rate, up to the maximum allowed by the loan type, with each point valued at 1 cent at the time of the buydown.
Apply your RBN points toward a permanent interest-rate reduction—lowering your monthly payment for the life of the loan.
held for the life of the loan
Rewarded Rate turns reward points into real savings. Your points directly reduce your borrowing cost by lowering your mortgage rate. Instead of earning points for small perks or discounts, you gain lasting financial value every month you hold the loan. The result is measurable savings that compound over time.
Frequently Asked Questions
Rewarded Rate lets you use RBN Reward Points to lower the interest rate on an eligible mortgage when you buy a home with an RBN Participating Agent. Points apply as a rate buydown credit at closing.
You apply reward points as a rate buydown credit. This reduces your interest rate by up to 0.375 and lowers your monthly payment for the full loan term
Yes. Rewarded Rate requires working with an RBN Participating Agent. This is how you earn the reward points used for the rate buydown. There is no added cost to you.
Points apply at a value of one cent per point toward a rate buydown credit. You buy down your rate up to a maximum of 50 basis points.
Example. A $5,000 rate buydown requires 500,000 points.
No. You must apply the minimum number of points required for the rate buydown. Any remaining points stay in your RBN account.
Unused points remain available for future RBN redemptions.
You choose whether to apply points before closing. Points apply at closing as part of your final loan terms.