Project My Home® Approved Listings — real affordability, built into the listing
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Making Housing More Affordable

Real affordability.
Built into the listing.

On select listings, the Project My Home® financing incentive brings real savings to qualified buyers.

Want to see exactly how it works? Use the calculator to see your rate, your payment, and your first-year savings — no guesswork.

$0Cost to buyer
$0Cost to agent
13%Est. lower year-one P&I*

*Illustrative estimate based on a $600,000 loan, 30-year term, and combined 1.25% year-one rate improvement from a 0.25% permanent rate reduction plus 1% temporary buydown. Actual savings vary by loan amount, rate, terms, and qualification.

For Buyers

Real affordability. Built into the listing.

Project My Home® Approved Listings are built around real affordability. The goal is simple: give qualified buyers a clearer, more affordable path to the home and give the listing a financial story that stands out.

01 — Rate

Permanent rate discount

A lower interest rate for the life of the loan, built into the program.

02 — Payment

1% rate reduction

A 1-0 Temporary Buydown that lowers the buyer's interest rate by 1% for the first year of the loan.

03 — More

More affordability

Some listings include additional rate buydown or cash credits at closing.

See It In Black & White

See exactly how your payment drops

Enter a loan amount and today's rate. We'll show your Year 1 payment at 1% lower, your payment for years 2–30, and what you save.

Year 1 is calculated at 1% below the rate you enter (a 1-0 temporary buydown). Years 2–30 use the full rate. Principal & interest only.

Year 1 P&I1% Lower — at 4.99%$0
Years 2–30 P&Iat 5.99%$0
Monthly savingsduring Year 1$0
Total savings in Year 1$0

These figures are illustrative and use the rate you enter — not a quote.
Remember: Project My Home® Approved Listings come with a discounted permanent rate, plus a free 1% off that rate for Year 1 — for qualified buyers.
Want a real rate quote and your free 1% Lower worksheet? Complete the short form below ↓

Free For Buyers

Get the coolest purchase worksheet ever.

This isn't a flyer — it's a real Excel spreadsheet, built by one of the nation's top VA loan officers, and it's yours to keep. We fill it in for your exact situation with the 1% Lower first-year buydown included — then you can plug in any home, any rate, any down payment and play with the numbers anytime.

  • Three loan options, side by side
  • Year 1 payment with 1% Lower
  • Yours to keep — run any scenario, anytime
Blurred preview of a personalized Project My Home loan comparison Loan Comparison
Yours gets filled in with your numbers ↓

Get a rate quote and your FREE 1% Lower worksheet

Enter your info and we'll follow up with Project My Home® Approved Listings and what your payment could look like.

No spam, no obligation — we'll follow up with approved listings and your exact numbers.

The Purchase Worksheet is provided by Project My Home's preferred lender. Project My Home, LLC is not a lender; financing is offered through an approved lending partner, and buyers retain full and unrestricted choice of lender. All figures are illustrative and depend on qualification, loan terms, and program availability.

Rick Elmendorf, SVP of Mortgage Lending at RATE

Rick Elmendorf

SVP of Mortgage Lending

The Elmendorf Team at RATE

Cell: 571-249-5363  ·  Email: loanwithrick@rate.com

The Expertise Behind It

Backed by one of the nation's top VA loan officers

The financing behind every Project My Home® Approved Listing is delivered by Rick Elmendorf, SVP of Mortgage Lending at RATE — the program's preferred lender. Rick built Project My Home to put real affordability back within reach.

$2.4B+Funded, last decade
5,600+Families served
#12VA loan officer, US*

*2025 Scotsman’s Guide Top Originators, VA loan volume. Rankings are historical and not a guarantee of individual results. Rick Elmendorf, NMLS #485091. Financing provided by RATE, NMLS License #2611. Production figures reflect Rick's lending career and are not a guarantee of future results. Project My Home, LLC is not a lender; buyers always retain full and unrestricted choice of lender. Not a commitment to lend.

The Mission

Our mission.

When buyers see a payment they can actually afford, they engage. Project My Home® builds real affordability into approved listings — a lower rate and a reduced first-year payment — so the home works for you.

See it for yourself — your rate, your payment, and your first-year savings, in seconds.

Get the Buyer Worksheet
Aligned Incentives

Built for buyers. Powerful for agents. Game changing for sellers.

Buyers

Buyers care about payment

The buyer-facing message is simple: real affordability is built into the listing through a permanent rate discount, year-one payment reduction, and possible additional credits or buydown.

Agents

Agents care about momentum

The agent-facing message is about more qualified buyers, more listing attention, and a campaign that helps the home stand out from competing properties.

Sellers

Sellers care about results

The seller benefits from a stronger buyer story without the listing immediately becoming only about another price reduction.

For Sellers

A builder-style incentive — brought straight to your listing

Project My Home® brings a builder-like buyer incentive directly to your home, so your listing stands out and attracts more qualified buyers. It's not smoke and mirrors — it's a real financing package that makes your home more affordable for incoming buyers. And when a home is more affordable, it draws stronger demand: even in competitive markets, that tends to support a higher price than you'd otherwise see.

01 — No cost

No cost to participate

The marketing, the 14-day campaign, and the open house push are funded by Project My Home — not you.

02 — The incentive

A builder-style buyer incentive

A permanent rate discount and a 1-0 first-year buydown make your home noticeably more affordable for qualified buyers — great service, and sometimes more.

03 — More demand

More eyeballs, more qualified buyers

The affordability story makes your listing stand out and brings more of the right buyers to your door.

04 — 14-day push

14-day listing push campaign*

A concentrated, funded 14-day marketing push built to flood your listing with attention and qualified buyers.

05 — Open house

Open house push*

A promoted open house designed to maximize foot traffic and buyer interest around your home.

06 — Advertising

We advertise your listing

Project My Home puts real advertising behind your home — promoting the listing and its affordability story to bring buyers to your door.

Relocating?

We run both ends of your move

This is where Project My Home® shines brightest. The listing push, promoted open house, flyers, and advertising sell your home here — while the same team lines up the financing on your next home there, with your free Purchase Worksheet and our best programs. One team. One mission. Anywhere in the country.

*The 14-day listing push and open house push are available for qualifying relocating sellers. All incentives are subject to buyer qualification, lender approval, seller agreement, and program availability. Project My Home, LLC is not a lender. This is not a guarantee of sale, sale price, or results.

Seller Review Request

See how Project My Home® may help make your listing more attractive to buyers.

Get Started

Agents: submit your listing

Submit a listing for Project My Home® review or request a Listing Push campaign. (Selling your own home? Your review form is in the seller section above.)

I'm an agent

Submit a listing for Project My Home® review or request a Listing Push campaign.

Agent Listing Form

I'm a seller

Ask whether your home may qualify for Project My Home® and whether a Listing Push strategy could help.

Seller Review Form

Agent Listing Submission

Submit a listing for review.

For Real Estate Agents

Become a Certified Project My Home® Agent

Builders typically don’t negotiate on price — they provide buyer incentives first, because they know affordability sells homes. Certified agents bring that same package to their resale listings. Certification is free.

01 — Apply

Apply online

A short application — you, your brokerage, and the market you serve.

02 — Orientation

Program orientation

A short session covering how the program and the affordability package work — and how to present it right.

03 — Certified

Get certified

Receive your certification, submit listings into the program, and get featured as a Certified Project My Home® Agent in your market.

Everything for agents lives in one place.

See the full program, apply for certification, or book a fifteen-minute call at agents.projectmyhome.com — free, and we certify a limited number of agents per market.

Go to the Agent Site Book a 15-Minute Call
Answers

Project My Home® FAQ

Quick answers for agents, sellers, and buyers.

General Questions
What is Project My Home?

Project My Home® is an affordability and marketing platform that features approved listings inside a focused Listing Push campaign. The goal is to make homes more affordable for qualified buyers while helping listing agents and sellers create more attention around the property.

Is Project My Home a lender?

No. Project My Home, LLC is not a lender. Financing is provided through an approved lending partner. Buyers retain full and unrestricted freedom to choose their lender.

How does the 1% rate reduction work?

The 1% rate reduction is typically structured as a temporary buydown. On approved listings, this may lower the buyer's interest rate by 1% in the first year, subject to loan program eligibility, borrower qualification, underwriting approval, seller agreement, and program availability.

Is this available on every property?

No. The property must be accepted as a Project My Home® Approved Listing. Agents and sellers can submit using the Submit Your Listing button on this site.

Does the seller or agent pay marketing costs?

No. Marketing production, distribution, and event costs associated with the Listing Push are funded by Project My Home, LLC. There is no required cost to the seller. Some sellers choose to contribute additional funds toward buyer affordability at closing — that is optional and agreed in advance.

Can this help a listing that is already on the market?

Yes. The Listing Push is designed for listings that need a stronger affordability story, more buyer attention, and a coordinated relaunch strategy.

Can buyers use any lender?

Yes. Buyers retain full and unrestricted choice of lender. The Project My Home® affordability package is available only when the buyer qualifies and elects the approved lending partner associated with the program. Buyers are never required to use that lender.

Let's Talk

Ready to move more listings?

Submit your listing or contact Project My Home to discuss whether a Listing Push campaign makes sense for your property.

Project My Home®

Website: projectmyhome.com

Phone: 239-356-0568

Email: hello@projectmyhome.com

Project My Home, LLC is not a lender. Financing is offered through an approved lending partner. Program availability, terms, incentives, and qualification requirements are subject to change.