🔻 Temporary Rate Buydowns

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🏠 Buyers:
Lower payments upfront can make your home more affordable and help with moving costs, furnishing, or saving.

🏡 Sellers & Builders:
Use a buydown as an incentive to attract more offers — without reducing your sales price.

• 3-2-1 Buydown: 3% lower Year 1 → 2% lower Year 2 → 1% lower Year 3 → Full rate Year 4
   
• 2-1 Buydown: 2% lower Year 1 → 1% lower Year 2 → Full rate Year 3
   
• 1-0 Buydown: 1% lower for the first year → Full rate the next year
   

Important: You still must qualify at the full (note) rate, and the buydown cost is typically paid by the seller, builder, lender, or even the buyer’s agent in some cases.

• Available for Conventional, FHA, and VA loans
   
• Applies to primary and second homes only
   
• Lender-paid and agent-paid buydown options now available
   
• Helps offset payment shocks from rising rates
   

Whether you're buying or selling, a temporary rate buydown could give you a real advantage in today’s market.

Call to Learn More or Click Here to Get a Custom Quote