Free Rate Buydown

If you’ve been sitting on the fence about buying a home because of today’s interest rates, this could be a game-changer.

Right now, there’s a limited-time lender-paid 1-0 buydown program that temporarily reduces your interest rate—meaning you could start with a significantly lower payment for your first year of homeownership at no cost to you.

Here’s an example: on a VA loan of $875,000 with a standard rate of 5.875%, this buydown can drop the rate to 4.875% for the first year. That translates into meaningful monthly savings and over $6,500 in reduced payments during year one alone.

After the first year, the rate returns to the original fixed rate—but by then, many homeowners have already refinanced or benefited from improved market conditions.

This program is available on FHA, VA, conforming, and high-balance loans, but it is time-sensitive. Loans must be locked by the end of June.

If you’re considering buying a home or want to see how this strategy could work for your situation, reach out anytime. Let’s run the numbers and see if it makes sense for you.

Questions? I’m happy to help you explore your options and structure a smarter path to homeownership.