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  What It Is:Temporary rate reduction—2% in Year 1, 1% in Year 2, then returns to full fixed rate.  Purpose:Boosts buyer affordability and makes listings more attractive.  Buyer Benefits:Lower early payments, easier budgeting, greater purchasing power.  Seller/Realtor Benefits:Faster sales, increased interest, stronger marketing tool.  Compliance:Must follow TILA; full disclosure in loan and closing documents.  Example:$450K home—seller...