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Loan Program

2-1 Buydown Feature

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Is the 2-1 Buydown right for you?

If you’re looking for payment relief during a higher interest rate environment, look no further. This feature will lower your monthly mortgage payment for the first two years of your loan. Buy the home you want and love now, and refinance when rates drop in the future.

Mortgage Loan
Mortgage Home Loan

Benefits of a 2-1 Buydown loan

  • Substantially lower payment during first two years of the loan. Save hundreds per month on the payment, in the first two years.
  • First year “payment” is based on an interest rate 2% below the full note rate. In the second year the “payment” is based on an interest rate 1% below the full note rate.
  • Combine this feature with VA, Conventional, and FHA loans.
  • Low down payment requirement.
  • Refinance anytime.

2-1 Buydown loan eligibility requirements

  • 660 min FICO score.
  • Max debt to income of 45%
  • Min down 5% (Conventional loans)
  • Seller to pay for total required buydown subsidy.
  • Loan amounts up to $726,200
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Want to see our actual live rates right now?

We don’t hide our rates because it’s so rare we ever get beat! Once you’re ready to get started, go ahead and apply now or get a pre-qualification letter.

Free PreQualification Letter

(You’ll need this to make offers on homes!)

  1. Makes your offer to buy a home stronger
  2. Let home sellers know you’re serious
  3. Helps you know your affordable price range
Get PreQualification Letter

No matter what your situation is, there is a home financing solution for you. We are ready to guide you through your options and get you the best deal possible!


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