Temporary Rate Buy-down Loans

Temporary Rate Buy-down Loans

Helps borrowers lower their interest rate by up to 3% at the start of their loan.

Give your clients extra flexibility with a lower monthly payment by offering them a Temporary Rate Buydown to lower their interest rate at the start of their loan. It’s a great option for almost any borrower, especially those who:

- Expect an increase in their income in the next few years.
- Have excess seller concessions to use and want to take advantage of a low fixed rate.
- Are looking to do renovations, make upgrades, or buy furniture for their
new home
- Are going from renting to buying and want to ease into their mortgage with a lower payment.

Temporary Rate Buydowns are available for:

- Conventional primary and second home purchases
- FHA and VA primary home purchases.
- Select Jumbo Products

Choose between these seller- or lender-paid 1-, 2- and 3-year Temporary and Rate Buydown options:

3-2-1 buydown: A buydown of 3% in the first year, 2% in the second year, 1% in the third year, then back to the original locked rate in the fourth year for the duration of the term.


2-1 buydown: A buydown of 2% in the first year and 1% in the second year, then back to the original locked rate in the third year for the duration of the term.


1-1 buydown: A buydown of 1% in the first two years, then back to the original locked rate in the third year for the duration of the term.


1-0 buydown: A buydown of 1% in the first year, then back to the original locked rate in the second year for the duration of the term.

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