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  • The lower initial monthly mortgage payments allow you to buy your dream home now and use your extra cash flow toward other priorities.
  • It is also an excellent option for borrowers who are expecting a bigger income in the near future.

Buydown Types:

  • 3-2-1 Program: The rate lowers by 3% in the first year, 2% in the second year, and 1% in the third year 
    (Available only on Conventional loan programs)
  • 2-1 Program: The rate lowers by 2% in the first year and 1% in the second year 
    (Available on Conventional, VA, FHA and USDA loan programs)

Eligible Transaction Types:

  • Purchase Transaction
  • Owner Occupied
  • Seller & Builder Paid only
  • One-unit properties (Including Condos and PUDs)

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