Stallion Ridge · In-Home Sales

Financing cheat sheet

Foundation Finance card rev. 07/01/2026

The deal

What you need to collect

Your price before any financing cost

Approved for (optional)

The limit on FFC's approval

Their credit score

Plan

FFC approves a tier and an amount. Every plan listed here is already open to them — you pick which one, and that is what sets your cost.

Term

That score lands in Tier 3

What it costs you

The dealer fee — the only number you add to the price

Add this to the job

Dealer fee rate—

Contract price — write this—

Bank wires you—

Rep commission (10%)—

What the customer sees

Their interest is not your cost — never add it to the price

Their monthly payment

—

Rate they pay—

Term—

Total of payments—

Interest over the life—

Every plan for this customer, side by side

Same job, same customer. Costs you is the dealer fee you tack on. They pay and their interest belong to the customer, not you. The last column settles arguments: for every dollar a buy-down costs you, that is how much interest the customer actually saves. It moves with the term — short loans make buy-downs a bad trade, long ones make them a good one.

Plan	Dealer fee	Costs you	Contract price	They pay	Their interest	Saved per $1 spent

Read this first. Foundation Finance does not publish the credit scores behind their tiers — the bands below are our working estimate so you can forecast at the table. The tier on the approval always wins. When it comes back different from what you guessed, re-run the calculator with the real one before you commit to a price.

The five tiers at a glance

Tier	Est. score	What the file looks like	Their free rate	$20k / 120 mo	Costs you	0% plans

Every tier has a rate that costs you nothing. That is the plan you lead with, no matter what the score is. A Tier 5 customer is just as free to you as a Tier 1.

Tier by tier

When is buying the rate down actually worth it?

A buy-down costs you a dealer fee and saves the customer interest. Whether that is a good trade depends almost entirely on how long the loan runs — the longer the term, the more interest there is to save. Below: dollars of customer interest saved per dollar of dealer fee, on a one-step buy-down. Anything under $1.00 means you are spending more than they save.

Value of a one-step buy-down, by term
Tier	36 mo	48 mo	60 mo	72 mo	84 mo	120 mo	144 mo	Breaks even at

The rule: under 72 months, do not buy the rate down — it costs you more than it saves them. At 84 months and up it starts paying for itself, and by 120 months every tier returns roughly $2 of customer savings for every $1 you spend. Short loan, hold the free rate. Long loan, a small buy-down is a cheap close.

What the free plan costs the customer per month

Standard rate, zero dealer fee, by tier and term
Loan amount	T1 · 60mo	T1 · 120mo	T1 · 144mo	T3 · 60mo	T3 · 120mo	T3 · 144mo	T4 · 144mo

144-month term needs the contract over $7,500. Stretching the term is your cheapest close — it costs you nothing and cuts the payment by roughly a third versus 60 months.

Step 1 — score to tier

Approx. credit score	Likely tier	Their free rate	Costs you
720 and up	Tier 1	11.90%	nothing
680 – 719	Tier 2	13.50%	nothing
640 – 679	Tier 3	15.99%	nothing
600 – 639	Tier 4	17.99%	nothing
Below 600	Tier 5	17.99%	nothing

Estimated bands. FFC does not publish their cutoffs. The tier on the approval wins.

Step 2 — the only number you add

Take what you need to collect and multiply by the number in your tier's column. That is the contract price. Do not add the percentage — multiplying by 1.156 and adding 13.5% are different numbers, and the difference comes out of your pocket.

Multiply what you need to collect by —
Plan	Tier 1	Tier 2	Tier 3	Tier 4	Tier 5

Step 3 — the dollar lookup

What you need to collect → what to write on the contract
You need	Free plan	12 mo 0%	24 mo 0%	36 mo 0%	48 mo 0%	60 mo 0%

Tier 1 fees. Tier 2 runs 2–3 points worse, Tier 3/4 worse still — use the calculator for those. Every row costs you nothing on the free plan.

Step 4 — their payment on the free plan

Monthly payment — standard rate, zero dealer fee
Loan amount	T1 · 60mo	T1 · 120mo	T1 · 144mo	T3 · 60mo	T3 · 120mo	T3 · 144mo

How to run the table

Their interest is not your cost. A customer at 15.99% over 60 months pays about $9,000 in interest on a $20,000 job — and it costs Stallion Ridge zero. Never add their interest to the price. The dealer fee is the only thing you add.
The standard rate is free in every tier. Sell that first, every time, whatever the score.
Payment too high? Go longer, not cheaper. 60 → 144 months costs you nothing and cuts the payment by roughly a third.
Buy the rate down only on long loans. Under 72 months it costs you more than it saves them. Over 84 months it is a cheap close.
0% only as a last resort, capped at 24 months. Past that you are buying the plan out of your own profit.
Never sell same-as-cash. FFC's SAC and DEFSAC plans are deferred interest — it accrues at 17.99% from day one and hits all at once if the customer is a day late. Left off this sheet on purpose. Their no-payment (NOP) plans are the safe version.
One price for everyone, discount down for cash. Never quote low and add for financing — illegal surcharge in CT (§42-133ff).
Collect ACH at the table. FFC pays back 1% (Tier 1–2) or 2.5% (Tier 3–4), up to $250 a deal, but only if it is on the contract and confirmed on the verification call.
Connecticut caps interest at 12%. Tiers 3, 4 and 5 cannot be written at their free rate in CT — confirm the CT schedule with FFC before quoting.