🏡 Lower Your Payment for Year One

Buying a home comes with more than just a mortgage payment.

There's furniture to buy. Moving trucks to rent. Window coverings to install. Paint to pick out. Appliances to replace. Maybe even a few surprise trips to Home Depot. (Let's be honest...there are always surprise trips to Home Depot!)

That's why I'm excited to share this program.

💰 What is a Lender-Paid 1-0 Buydown?

For a limited time, eligible buyers may qualify for a Lender-Paid 1-0 Buydown.

Here's how it works:

✅ Your mortgage is still a 30-year fixed-rate loan—this is not an adjustable-rate mortgage.

✅ During your first year, your interest rate is temporarily reduced by 1%, giving you a lower monthly payment.

✅ Beginning in year two, your payment simply returns to your locked-in note rate for the remainder of the loan.

And here's the best part...

The lender pays for the buydown. That means you get the benefit of a lower payment during year one without having to fund the buydown yourself.

📊 Here's What It Could Look Like

Let's use a hypothetical example:

🏡 Purchase Price: $500,000
💵 Down Payment: 20% ($100,000)
🏦 Loan Amount: $400,000
📈 Fixed Interest Rate: 6.25%

Without the buydown, your estimated principal and interest payment would be approximately: $2,463/month

During the first year, your rate is temporarily reduced to 5.25%, lowering your estimated payment to about: $2,209/month

✨ That's a savings of approximately $250 each month—or more than $3,000 during your first year of homeownership.

💡 What Could You Do With an Extra $3,000?

Instead of putting every dollar toward your mortgage during year one, you could use those savings to:

🛋️ Furnish your new home

🪟 Install blinds or shutters

🌿 Landscape the backyard

🎨 Paint and personalize your space

🧰 Buy tools, appliances, or lawn equipment

🚚 Offset moving expenses

📚 Cover back-to-school costs

🏕️ Take a weekend getaway after the chaos of moving

💰 Or simply build a little extra cushion in your monthly budget.

Sometimes the biggest benefit isn't buying more stuff—it's having a little more breathing room while you settle into your new home.

❤️ Real Families. Real Results.

The best thing about this program is seeing how different families use it to accomplish different goals.

👨‍👩‍👧‍👦 I recently helped an incredible family relocate from Pennsylvania to Arizona with their five children. A cross-country move comes with plenty of expenses. Between travel costs, furnishing a new home, enrolling the kids in school, and replacing items that didn't make the move, having a lower mortgage payment during that first year gives them valuable flexibility while they get established in Arizona.

🏔️ I also helped another family purchase their dream vacation home in the Arizona mountains. The lower payment during year one allowed them to focus on furnishing the cabin, making a few upgrades, and creating memories from day one instead of stretching their budget immediately.

Different families.

Different dreams.

One financing strategy that helped both enjoy a little more financial breathing room.

⏰ But Don't Wait...

This is a limited-time lender promotion.

🎯To be eligible, your loan must be locked on or before August 31, 2026, and the program is available only on qualifying loan products.

Once the promotion ends, so does this opportunity.

🐼 Mortgage Mama Bear's Take

Buying a home isn't just about getting approved for a loan.

It's about feeling comfortable after you get the keys.

If there's an opportunity to save over $3,000 during your first year and make that transition a little easier, I want you to know about it.

If you're planning to buy a home before the end of summer, let's sit down, run the numbers, and see whether this program—or another financing strategy—is the best fit for your goals.

🌮 Let's taco 'bout home loans!

📌 Important Information

The payment example above is provided for educational and illustrative purposes only and is based on a hypothetical loan scenario. Actual interest rates, monthly payments, savings, and loan terms will vary based on credit score, loan amount, down payment, occupancy, loan program, and market conditions.

The Lender-Paid 1-0 Buydown is a limited-time promotional program available only on eligible loan products. Loans must be locked on or before August 31, 2026, and all program guidelines must be met. This promotion may be modified or discontinued without notice.

This article is not a commitment to lend or an offer to extend credit. All loans are subject to credit approval, underwriting approval, appraisal, verification of information provided, and satisfaction of all applicable program requirements.

Every buyer's situation is unique. If you're wondering whether this program is right for you, I'd love to review your goals, answer your questions, and discuss the financing options available based on your specific circumstances.