Nearly new. Already ready.

2708 Tim Rogers Lane, Salina, KS 67401

Listed at $239,000; verified October 14, 2026. MLS #679043. Three bedrooms, three full bathrooms, 1,568 square feet, built 2025, and an attached two-car garage with storm shelter. An open island kitchen, included appliances, electric fireplace, main-floor laundry, upstairs loft, upgraded bathrooms and a new Class 3 roof make this nearly new townhome move-in ready. HOA maintains lawn and sprinklers and handles snow removal. Listed HOA $100/month; confirm dues and assessments with Kali.

View the full listing with Berkshire Hathaway HomeServices PenFed Realty.

Your interactive 2–1 buydown calculator

Defaults: $239,000, 5% down / 95% LTV, 30-year fixed and a 6.50% illustrative note rate, not a rate quote or APR. Adjust your inputs to compare year-one, year-two and full payments, total subsidy, and an equal-dollar price cut. Taxes, insurance and mortgage insurance are additional; monthly HOA is preset at $100 in optional costs.

Temporary help, not a permanent rate change

With an approved and funded 2–1 buydown, year-one P&I is calculated at two percentage points below the note rate, year two at one point below, and year three onward at the full note rate. Your contractual note rate and payment do not change; a funded subsidy covers the agreed difference. Qualify at the full note rate and plan for payment increases. Refinancing is not guaranteed.

Benefits for buyer and seller

Lower early out-of-pocket payments can support a buyer’s near-term cash flow. A negotiated buydown can give a seller a specific alternative to a price reduction, but funding reduces net proceeds and does not guarantee a faster sale or a higher price. A seller-funded buydown is an option to explore for this home—not a confirmed incentive. Funding must be negotiated, approved by the lender and fit loan-program/concession limits.

Kali Graber — Your listing agent

Berkshire Hathaway HomeServices PenFed Realty. Certified New Home Specialist. (620) 386-0846 · kali.graber@penfedrealty.com.

Crystal Toews — Your featured lender

NEO Home Loans. Mortgage Advisor, NMLS #1142776. (620) 200-0840 · crystalt@neohomeloans.com.

Educational estimates, not a loan offer or approval. Seller funding must be agreed in writing and approved under eligible loan programs and concession limits. NEO Home Loans powered by Better; home lending products offered by Better Mortgage Corporation, NMLS #330511. Equal Housing Lender. Equal Housing Opportunity.