Springfield VA Real Estate & Homes for Sale

Beautiful 3 bedroom, 2/2 bath West Springfield townhome in Glenwood Manor community, Lots of light and backs to trees. Main and Upper Levels together equal 1540 square feet. The Lower Level is 800 square feet and is completely finished. There is an Atrium door off the living room leading to a spacious deck. Another Atrium door leads to a Patio off the Lower Level. There is also a wood burning fireplace and family room on the Lower Level. The extra room in the Lower Level could be used as a bedroom. The Master Suite is large with custom closets. Bathrooms are updated. Hardwood floors are on the Main Level. The kitchen has been updated. This townhome is steps from Huntsman Lake and minutes to Huntsman Square Shopping Center. Easy access to FFX County Pkwy or 1 mile to bus stop. Quick ride to the Franconia/Springfield Metro or the 95/495/395 Interchange for access to Pentagon, Amazon HQ2, Old Town Alexandria, DC. Close to Ft. Belvoir. Several community pools nearby (Membership Required). Cross the FFX County Pkwy to get to South Run Rec Center. West Springfield HS Pyramid. 2 Assigned parking spaces. Pets on a case-by-case basis. No smoking.

This stunning 4-bedroom, 3.5-bathroom end-unit townhouse in the Glenwood Manor Community is a must-see! Located near Huntsman Lake, Burke Lake Park, and other nature spots, it also offers convenient access to Huntsman Square Shopping Mall and various amenities. The property features two assigned parking spaces, and access to Huntsman Lake. Inside, you'll find a beautifully renovated kitchen, spacious living and dining areas, and a lower level with a recreational room, brick-wall fireplace bedroom, and full bath. This home is perfectly situated near schools, shopping centers, and major access routes. Don't forget to ask about the available pool membership for summer fun!

Welcome home! This colonial home in Orange Hunt Estates West has been renovated and boasts 4 spacious bedrooms, 2 full bathrooms on the upper level. The master has a newly renovated en-suite, a walk-in closet and beautiful hardwood floors. The main level features a large living/dining room area, a cozy family room, a galley kitchen with a breakfast nook on one end and the dining room on the other end. The kitchen offers granite counters and stainless steel appliances. The main floor half bath is newly updated. And just when you think that's enough, there's a large screened-in porch where you can enjoy the private wooded back yard. The basement sports luxury vinyl flooring, a newly renovated half bath and a bar for entertaining. The entire home has been freshly painted. There are wide gutters with gutter guards, and the home has double pane windows. The neighborhood offers easy commutes to Fort Belvoir, the Pentagon and Washington D.C., close to the VRE and Park & Ride lots, and just minutes to the Franconia-Springfield metro station. Come and see this beautiful home in this incredible neighborhood, and I promise you won't want to leave.

*** Offer Deadline Monday 10/2 @ 11:00am*** THIS IS THE ONE YOU'VE BEEN WAITING FOR!! This gorgeous, single family home sits on one of the best lots in the neighborhood! As soon as you walk in the door, you will see the love and care that was put into this home. The main level features a generous sized kitchen, a formal dining room area and a family room with a cozy wood burning fireplace. Right off the family room, you have access to a large deck with steps leading down to another large deck area. This outside retreat will be perfect for family gatherings, parties, even a hot tub! Beyond the deck is a tranquil green and wooded area, with no homes directly behind the house. Upstairs, you will find a large primary suite with a sitting area, perfect for a chair or two or even a desk! There is also a spacious walk-in closet with built-in shelving. The primary suite also includes an attached full bath that has been beautifully updated. This bathroom has the feel of luxury with a gorgeous, spacious vanity, and a glass shower and custom tile. Leaving the primary, you will find 2 other bedrooms and a remodeled full bath. Jumping down to the lower level, you can let your imagination run wild! With close to 1,000 finished sq ft, the possibilities are endless! This walk-out basement is ideal for a nanny, in-laws, or any other guest since it has a large NTC bedroom with closet, a full bath and a large rec room with a built-in bar! Home has just been painted, new carpet and refinished hardwoods! Don't miss out on this is a gem of a neighborhood with a wonderful community feel! This home is perfectly situated in the quiet and sought-after neighborhood of Knolls at Middle Run! Not only is it the perfect spot for commuting all over the DMV, it is also located in the highly desirable Hunt Valley/Irving/West Springfield School Pyramid!

Put this one on your shortlist! Classic all-brick townhome in an established centralized community in Northern Virginia. Excellent West Springfield location is close to schools (walk to Orange Hunt ES), FCPA public parks (Pohick Park, Burke Lake, Rolling Valley), local pool & tennis clubs (memberships available), retail, services, and dining (Rolling Valley SC, Burke Town Plz, dynamic & revitalized Springfield Town Center). Plus commuters have access to transportation options - METRObus, slug line, and Franconia-Springfield METRO. This home has been well-maintained and enhanced with Kitchen and Bath renovations! Great overall livable floor plan - lots of hardwoods, contemporary lighting, fixtures & hardware. Fantastic big backyard with a new privacy fence. 2022 HVAC, 2017 WH, newer washer & dryer & upgraded windows.

Majorly renovated in 2022, this charming traditional house is located in the West Springfield area. The large living room with great seating space opens to the expansive, private outdoor deck - great for al fresco dining and outdoor living. An amazingly lower level with 1 new luxury bath. A separate seating area offers ample space at the lower level. The house has extra windows that provide natural light. The lower level is well designed and offers expanded living space. A great place for gathering friends and family for popcorn, movie nights and game days or could be play room or guest room with a half bathroom. Upper level has the primary bedroom, updated primary bathroom, two additional bedrooms, and a second updated full bathroom. As you head out to the spacious fully fenced backyard, you can sit down on the patio and just enjoy the view of the open space. This is a perfect place for entertaining, gatherings, or a number of outdoor games. Located in the heart of springfield where you will find everything you need. Please schedule on line.

3 FINISHED LEVEL COLONIAL WITH WRAP AROUND FRONT PORCH * 5 BEDROOMS * 3.5 BATHROOMS * OVER SIZED 2 CAR GARAGE/ WORKSHOP WITH 11 FOOT FRONT DOORS AND A DETACHED ONE CAR GARAGE * ON HALF ACRE LOT * BACKS TO TREES * MAIN LEVEL WITH 2 STORY ENTRY FOYER * SEPARATE LIVING AND DINING ROOMS WITH HARDWOOD FLOORING * LARGE EAT IN KITCHEN WITH NEWER STAINLESS STEEL APPLIANCES AND ISLAND * BREAKFAST ROOM * FAMILY ROOM * MUD ROOM * POWDER ROOM * UPPER LEVEL FEATURES * PRIMARY BEDROOM WITH 2 CLOSETS AND A RECENTLY REMODELED ENSUITE BATHROOM * 4 SPACIOUS BEDROOMS * FULL HALLWAY BATHROOM * LOWER LEVEL HAS 5TH BEDROOM, FULL BATHROOM, HUGE REC ROOM WITH WET BAR , STORAGE AREA AND DOORWAY TO REAR YARD * HUGE REAR DECK AREA WITH COVERED GRILL AREA * STORAGE SHED TO STORE YARD ITEMS * NEWER ARGON DOUBLE PANE TILT IN WINDOWS, 50 YEAR ROOF AND INSULATED SIDING TO KEEP UTILITIES LOW * NO HOA conveniently located to Burke Lake Park, South Run Recreation Center, Lake Mercer with miles of hiking paths. Huntsman Square is minutes away for convenient shopping with easy access, plenty of stores and parking. Chapel Acre Park right across the street. The Fairfax County Parkway, Franconia Metro Station, Gambrill Commuter Lot, and Fort Belvoir are very close.

Updated 3 Level END UNIT TH w/ 2 MASTER SUITES + Bonus Room w/ Walk-in Closet: Updated Kitchen w/ ALL NEW Cabinets, Stainless Steel appliances, Granite Counter-tops, Brand-New Carpet on UL, 3.5 Updated Bathrooms, w/ a Huge Deck to entertain on. Walk to public transportation, Shopping Plaza w/ a bank, Chipotle, Starbucks, Giant supermarket, Saratoga Pizzeria, Subway, and many more restaurants . Close to I-95, I-395, Ft. Belvoir, Costco, NGA and the Franconia-Springfield metro.

LOWEST PRICED 4+ BEDROOMS 2+ LEVEL SINGLE FAMILY HOME IN FAIRFAX COUNTY WITH A 2 CAR GARAGE!5 bedroom 2.5 Split foyer with a Bump out on both levels! Public records do not indicate the right square footage and seller does have approved permits for the work done. Home is the only home on a pipe stem lot so you will have privacy! Upgrades include Kitchen w/Quartz Counters and updated appliances, 2 brand new (3 months old) outside and inside air conditioning unit, hot water dispenser, hardwood floors, walk in closet from master bedroom, walk out basement, Theater room includes projector, equipments, and Bose 6 piece sound system, Prewired wireless ADT Security alarm system, Deck, Some newer windows, newer electrical panel, Drainage system, Clog free gutters, 8x12 Shed and much more!!

This charming home offers a natural color palette throughout, perfect for creating a tranquil atmosphere. Other rooms provide flexible living space, while the primary bathroom offers good under sink storage. Fresh interior paint and partial flooring replacement in some areas make this home move-in ready. With all of these features, you'll be able to make this house your own. Don't miss out on this opportunity to call this place home!

Opportunity knocks! This fantastic Split-Level home, tucked away in the desirable Saratoga community is move in ready and features 4 Bedrooms and 3 Full Baths, a huge 2 car Garage in addition to updates from flooring to bathrooms. Large rooms feature Hardwood and Luxury Vinyl Plank flooring, recessed lighting, fans and curtain rods for convenience. Sliding door just off the Kitchen provides access to the spacious Sun Deck and Fenced Rear yard with mature trees overlooking the forest beyond. On the Lower Level find the large Family Room with Full Bath, Laundry Area and Bedroom with access to the oversized Garage. Saratoga shopping center is adjacent to the community for groceries, restaurants, drive thru Starbucks and more. Saratoga Pool is a privately managed pool adjacent to the community with memberships available. They have a 25-meter pool with lap lanes, a deep end with diving board, and a shallow end with steps; there is a picnic area with an awning and a kiddie pool for children 5 years old or younger. Easy commutes to Fort Belvoir, NGA, commuter lots with express buses and only a 5-mile drive to Franconia/Springfield VRE/Metro in addition to other commuter routes via I-95/I-495! If outdoor recreation is what you are looking for, check out the 40-mile Cross County Trail directly accessible from Saratoga and adjacent Pohick Creek. The GCCCT connects the entire county from one end to the other and provides hikers, joggers, strollers and cyclists a natural wonderland to discover and enjoy. Donât miss Rolling Wood Park, which features basketball and tennis courts, playground and tot lot, hiking trails, grills and picnic tables for relaxing or entertaining! Apply today! Sorry, this is a no animal property, available now.

GORGEOUS BRICK FRONT TOWNHOUSE. 3 BD 3.5 BA. MOVE AND ENJOY THE PEACEFUL SETTING BACKING TO PARKLAND AND TREES. WOOD LAMINATE FLOORS, DECK, MINUTES TO FX. COUNTY PKWY. AND SPRINGFIELD METRO.

Wonderful 5 bedroom , 3 bath split level located on a quiet cul-de-sac in the heart of Springfield! Spacious living room with vaulted ceiling and stone wood burning fireplace. Separate dining room. The eat in kitchen includes newer appliances. Huge Upper level primary bedroom includes a private renovated bathroom and renovated closet. There are two more good size bedrooms on upper level and full bath and 2 bedrooms and full bath on lower level. Luxury vinyl flooring installed in upper level bedrooms. Ceiling fans with remote control in all upper level bedrooms and living room. Upper level family room includes a corner fireplace, ceiling fan, and sliding glass doors to large multilevel rear deck. The nicely landscaped fenced yard includes a firepit and pond (frog & toad habitat). Motion sensor lighting in rear and side yards. New heat pump/air handling system with WIFI thermostat installed in 2022. Roof shingles 100% replaced in 2020 along with new gutters, downspouts, and gutter guard system . Driveway asphalt replaced, brick chimney recapped, garage doors replaced, garage door openers replaced, and garage door exterior keypad installed in 2017. Great neighborhood and neighbors! Convenient to 395 ,495, Pentagon, Ft Belvoir, schools, restaurants, and more!

Ignore Days on market! Relisted, remarketed and more work was done to get this home completely ready! Wow, Completely remodeled from top to bottom! Rare main level bedroom with full bath attached. 4 additional bedrooms to include the ensuite primary on upper level, all bathrooms completely remodeled with new tile, flooring vanities and toilets. Kitchen remodeled, white cabinets, granite countertops, huge kitchen island with tons of storage cabinet space under neither. Seat 4 comfortable at the island for breakfast for the kids before school. Sitting area and breakfast area with a gorgeous fireplace is also in the kitchen area. Living room with freshly painted brick fireplace and room for a small office! A great room/family room is also within view of the kitchen and is huge with glass doors for some privacy! Separate dining room with a huge pantry/storage with door that leads to the huge deck in the rear of the home. This home has been expanded in the entire back of the home to add so much sq footage so no worries about space! Multi-generational living at it finest or if you need an Au pair/mother-in-law suite this home has it all. The basement has a 2nd kitchenette and a 2nd laundry area. 2 rooms in the basement could be additional bedroom/has closets in both rooms but no windows so can't be included in the bedroom count. Oversized 2 car front load garage. Newer roof, over 4000 sq feet of luxurious living await you, new windows, new hvac, premium counter tops, new carpet, ETC. Commuters dream minutes from Fairfax County pkwy, Springfield metro, Ft Belvoir, Pentagon, Crystal City and 2 major airports. Amazing community amenities just minutes away including Lake Mercer, South Run Park & Rec Center, Burke Lake Park and golf course, Lorton Workhouse Art Centre, Historic Towns of Occoquan and Clifton not to mention major shopping, grocery stores, and restaurants. SHOES MUST BE REMOVED BY ALL VISITORS OR PUT ON BOOTIES! Run don't walk to this amazing home! Open houses sat and sun 1-4

Welcome to your dream home in the desirable Saratoga community of Springfield! This stunning townhouse offers the perfect blend of modern elegance and convenience, boasting 3 bedrooms on the upper level and 1 bonus room on the lower level, 3.5 bathrooms, and a wealth of exquisite features that will make every day a delight. As you step inside, you'll immediately notice the spacious open-concept design on the main floor. The living area flows seamlessly into the dining and kitchen spaces, creating an inviting and expansive environment for both entertaining and everyday living. The main floor has been thoughtfully designed with contemporary finishes and an abundance of natural light, making it the heart of the home. The fully renovated kitchen is a chef's dream, featuring top-of-the-line stainless steel appliances that are both functional and stylish. Preparing meals has never been more enjoyable with ample counter space and modern cabinetry that offers plenty of storage. With 3 bedrooms and 3.5 bathrooms, this townhouse offers the perfect balance of space and privacy for all family members and guests. The master suite is a serene retreat with its own ensuite bathroom, providing a private oasis after a long day. The additional bedrooms are spacious and well-appointed, offering flexibility for various needs. Step outside to the fenced backyard, where you'll find a peaceful outdoor space perfect for barbecues, gardening, or simply relaxing in the fresh air. It's an ideal spot for pets to roam freely or for kids to play safely. Living in the Saratoga community means you'll have access to a host of amenities and a vibrant neighborhood atmosphere. Conveniently located in Springfield, you'll be close to shopping, dining, parks, and major commuter routes, ensuring that you have everything you need right at your fingertips. Don't miss your opportunity to make this fully renovated, open-concept townhouse in Saratoga your new home. Schedule a showing today and experience the perfect blend of modern living and suburban convenience. Your dream home awaits!

WOW! RARE Find! Updated Large 3,200sf+ Colonial Situated on Fantastic Premium Oversized Lot Surrounded by Trees Overlooking a small Stream! Perfect Cul-de-Sac /Pipe Stem with Private Parking! Military Pilot Family has Meticulously Maintained this Home for over 38 Years! Upgraded Kitchen with Level 5 Russian Pearl Granite, Solid Cherry Shaker Cabinets with Black Pulls, Pantry, New Stove 2022, REAL Solid Hardwood Flooring on Entire Main Level. Charming Great room just off the Kitchen with Updated French Door that Leads to Huge Deck with Unreal Views! Master Bedroom has tons of Windows, walk-in closet, Makeup Vanity and Upgraded Bath! Updated Hall Bathroom, Large Bedrooms, New Carpet just installed on Top Level . Lower Level has Large Storage room, HUGE Rec Room, New Carpet, Upgraded Sliding Glass door that lead to Patio (Just Painted) in Fully fenced in area Perfect for Kids and Pets! New Certainteed Landmark Pro Architectural Shingles and Gutter System -2022. New High Efficiency Bryant 3 ton/ 14 SEER HVAC System 2021. JES Basement Waterproofing System installed 2022, Aprilaire E070 Air Cycling system ($7,110) installed 2022, Commercial ProLine Hot Water Heater 2022, Newer Garage doors, Landscaped, Huge Deck ( just Stained )and Fenced in Backyard 2013. New Exterior and interior Lighting and so much more... Home Perfectly Located Near EVERYTHING (5 mins to Costco !) Yet on a Premium $20k RARE, Private Lot! Vacation from HOME! If you see only one home this weekend...This is the ONE! *********************Open House Sunday Oct 1st, 1-4 pm********************

Nice three bedroom, two and a half bath townhome in Newington Station! Tons of space. Beautful wood floors. Kitchen and dining area opens out onto private rear patio, excellent for weekend barbecues and entertaining. Large lower level recreation room with gorgeous brick fireplace. Bright living room with Bay window! Community amenities include pool and trash. Two assigned parking places. Short commute to I-95 and Fort Belvoir! Easy to shops, schools, and restaurants. Excellent location!

Gorgeous three level garage townhome in the heart of Springfield. This bright townhome on quiet street backs to private woods. Spectacular outdoor deck for entertaining. Neighborhood is in walking distance to gorgeous walking/biking trails that run along a stream maintained by Fairfax County. Townhouse boasts three bedrooms upstairs and two fully renovated baths. Main and lower level each have Half bathrooms. Upgraded hardwood floors on main level, renovated eat-in kitchen with granite countertop, SS appliances and a cozy fireplace off of family room. Newer carpet throughout home Lower-level rec room is perfect for movie nights and playroom. Neighborhood features tot lots. Trash included and HOA included in rent price. This home is close to Fairfax county parkway, 395, 495 and Fort Belvoir.

Welcome to this beautiful 4 bedrooms 2.5 bathrooms colonial located on cul-de-sac. Main Level features both formal and casual living and dining areas, gourmet kitchen with granite countertops, SS appliances, fireplace. family room that walks out to large Deck overlooking trees. Upper level features 4 bedroom and 2 full bathrooms. Finished basement. Walkout to the backyard with so much privacy. Close to shopping center, easy access to highway. This house has so much to offer. A must see home. Offers will be reviewed as they arrive.

Well maintained and spacious end unit. . New hardwood throughout first and second floor. New laminate flooring in downstairs family room. Eat in kitchen and separate dining room. Large laundry room with plenty of storage. Property backs to quiet wooded area. Private fenced in back yard. Walk out basement to patio and deck. Located just off the Fairfax County Parkway, it is just minutes from Springfield Metro and Fort Belvoir. Only two blocks from metro bus stop. Available for showings beginning October 1st.

Welcome to Newington Woods -- community and address! This home is the corner lot of a pipestem that looks more like a cul-de-sac. The community is well situated to get you to and from the DMV (DC, MD, VA) by bus, car, train, and plane! Commuter lot is close, community pool membership(s) are available, shopping, dining, conveniences, schools including area colleges and satellite State campuses. A nationally accredited school pyramid provides its community with educational and employment opportunities across every industry. What about the house, you ask? It is a great house with many updates--big ticket and small ticket improvements from the enlarged driveway, updated kitchen, wood floors, washer/dryer, electrical panel, roof and gutter guards, lighting, water heater, and remote access climate and access control. The home has a fenced backyard with a huge patio and deck for entertaining and relaxing; a great floor plan for entertaining, working, or relaxing on 3 levels: upper level has 3 bedrooms and 2 full baths, main level houses the kitchen and living-dining room combo, and the lower level (3 or 4 steps) houses the rec room, laundry room, a full bathroom, and a rear, walk-out bedroom-office. Wood and tile floors, attached garage, updated cosmetics make this home READY TO MOVE IN! This home welcomes you in time for the holidays and the start of a new school year!

An all brick townhouse at its finest in the Saratoga Towhouses Community. You will fall in love with this home as it offers a breathtaking back to trees views and beautiful fenced back yard. The home features 3 bedrooms, 2 full baths and 2 half baths. As you step into the home, you will see a beautiful hardwood floor through out, a full of lights large family room, dining room, a Gourmet Kitchen features a trending white cabinets, Granite countertop, an eat-in kitchen breakfast nook, stainless steel appliances. As you continue to the upper level, you will see a beautiful hardwood floor on stair and laminate floor on hall way and all bedrooms, The fully finished walk-out basement with separate laundry room, extra room, and a half bath. This property is conveniently located just minutes from I-95, Fairfax County Parkway, Saratoga shopping center, Costco, Ft. Belvoir. You will enjoy all that Saratoga Community has to offer!

NEWLY RENOVATED, move in ready, fantastic 4 bed, 2.5 bath single family home on a cul-de-sac. Won't last long! The entire home has been freshly painted in neutral shades, recessed lighting added, updated hardware and fixtures, new LVP flooring installed throughout the main level and upper hallway, new plush, neutral carpeting in the bedrooms and lower level. New kitchen to include cabinetry, countertops and appliances have been thoughtfully selected and installed in preparation of this sale, making this home move-in ready! Nestled on a serene cul-de-sac, this single-family colonial welcomes with its 2-car garage and inviting front porch set against a beautifully landscaped front yard. As you step into the bright entryway, you're immediately greeted by on trend, luxury vinyl wide plank flooring that graces the main level, ushering you through the various, spacious, bright living spaces. Formal living and dining rooms, a gourmet kitchen featuring sophisticated cabinetry, gleaming stainless steel appliances, and pristine Calcutta countertops. A sizable pantry caters to all storage needs, while the peninsula offers a delightful spot for casual dining. Adjacent to this culinary space, you'll find an inviting family room with its classic brick surround, wood-burning fireplace, offering the perfect backdrop for cozy evenings. Sliding patio doors create a seamless blend between the indoors and outdoors, transitioning from the family room to a secluded deck with plenty of space for entertaining, leading to the delightful yard. Upstairs, the primary suite is a true oasis, bathed in sunlight and featuring a generous walk-in closet. The ensuite bath has dual vanities, chic ceramic tiling, and a modern walk-in shower with sleek sliding glass doors. Three additional sunlit bedrooms, each boast expansive closets, sharing a tastefully designed hallway bathroom. The home also boasts a versatile finished recreation room in the basement, perfect for entertainment, a home office, or a personal gym. This space is complemented by a spacious utility/storage room. Situated in the heart of Springfield, VA, this home is where convenience meets tranquility. With its proximity to schools, shopping centers, outdoor activities, entertainment, and major transportation routes, it promises a blend of peace and practicality. HVAC - 2010 Hot water heater - 2017

Welcome to 8495 Kitchener Dr. This 3 Level Townhouse offers 3 Bedroom, 3.5 bathroom, Living room, Dining room, Eating kitchen, Basement with recreational room, utility room, Deck and fenced backyard that backs to common grounds and trees... is located near all major highways, schools, shopping, restaurants, parks, playgrounds, and walking trails. There's something for everyone!!! Property sold "AS IS"

Don't miss out your Final Offer opportunity to own this move-in ready, beautifully updated colonial in the desirable Saratoga community of Springfield. The highlight of this home is the brand new renovation, spacious primary suite with a stunning, modern bathroom. The suite also features ample closet space and a cozy sitting area. House shows great, culdesac location. As you enter the home, you'll be greeted by an impressive entryway that sets the tone for the rest of the house. The family room is a perfect gathering space, with a wood burning fireplace as the room's focal point. The living room, filled with natural light, offers a peaceful retreat for reading or relaxing. Roof replaced in 2016 Still under warranty. The kitchen has been completely upgraded, boasting brand new stainless steel appliances, premium countertops, and high-quality cabinetry with plenty of storage space. It also features a pantry for added convenience. Step out onto the beautiful deck, ideal for entertaining or enjoying summer evenings while overlooking the meticulously landscaped backyard. This home not only offers modern touches and updates but also convenience. Located in the sought-after Saratoga community, you'll have access to a variety of amenities, including shopping centers, dining options, parks, and recreational facilities. Commuting to Washington D.C., the Pentagon, or other parts of Northern Virginia is a breeze with easy access to major highways. Come visit this home. Now! This one will not last long. Make it yours! Please ask about our Final Offer procedures. Owners are motivated will look at reasonable offers OR pay to buy down rate.