Unlock the secrets to reducing your monthly payments and saving thousands over the life of your loan with strategic buydown techniques
A 3-2-1 mortgage buydown is a strategic financing technique that temporarily reduces your interest rate for the first three years of your home loan. The rate starts 3% below market in year 1, 2% below in year 2, and 1% below in year 3, before returning to the full market rate.
3-2-1 buydowns are particularly powerful for homebuyers expecting income growth or facing temporary cash flow constraints during the early years of homeownership.
$400K Loan at 7% Market Rate
vs. Full Market Rate
Strategic advantages that make 3-2-1 buydowns a smart financing choice
Save over $18,000 in the first three years compared to the full market rate payment.
Qualify based on the lower Year 1 payment, making homeownership more accessible.
Free up cash for home improvements, emergency fund, or other investments.
Perfect for professionals expecting salary increases or career advancement.
Often funded by sellers or builders as a purchase incentive at no cost to you.
Shield yourself from high rates during the crucial first years of homeownership.
Our mortgage experts will analyze your situation and show you exactly how much you can save with a 3-2-1 buydown approach.
Continue your 3-2-1 buydown education journey with these helpful resources and tools
Learn about traditional mortgage options and how they compare to 3-2-1 buydown strategies.
Use our advanced calculator to see exact 3-2-1 buydown savings for your specific loan amount.
Understand how 3-2-1 buydowns are structured and implemented during the mortgage process.
Discover how 3-2-1 buydowns can be combined with first-time homebuyer programs for maximum savings.
Get answers to the most common questions about 3-2-1 buydown structures and qualification.
Connect with our 3-2-1 buydown specialists to discuss your specific situation and savings potential.
Take the first step towards massive early savings with a 3-2-1 buydown. Our team is ready to create a personalized strategy for your situation.