🏠 Smart Mortgage Solution

Slash Your Mortgage Payments with 3-2-1 Buydown

Dramatically reduce your monthly payments for the first three years while building equity in your dream home. Start with payments up to 40% lower than traditional mortgages.

3%
Below Market Rate
Year 1
2%
Below Market Rate
Year 2
1%
Below Market Rate
Year 3
4.9/5 Customer Rating
Licensed & Insured
24hr Pre-Approval
Middle eastern couple with daughter moving in a new apartment while making a roof with their arms.
Average Monthly Savings
$847
First 3 Years
💡 How It Works

Understanding 3-2-1 Buydown

A 3-2-1 buydown temporarily reduces your mortgage interest rate for the first three years, giving you significantly lower monthly payments when you need them most.

Payment Comparison Chart

Y1
Market Rate: 7.0%
Buydown Rate: 4.0%
$2,653/mo
$1,910/mo
Save $743/mo
Y2
Market Rate: 7.0%
Buydown Rate: 5.0%
$2,653/mo
$2,147/mo
Save $506/mo
Y3
Market Rate: 7.0%
Buydown Rate: 6.0%
$2,653/mo
$2,398/mo
Save $255/mo
Y4+
Standard Rate: 7.0%
$2,653/mo
Normal payment

3-Year Savings Summary

$30,456
Total Savings Over 3 Years
$847
Avg Monthly Savings
34%
Payment Reduction
Perfect for: First-time buyers, growing families, or anyone wanting lower initial payments

Simple Process, Powerful Results

1

Seller or Builder Pays

The seller, builder, or even you can pay for the buydown upfront. This cost is often negotiated into the sale price or offered as an incentive.

2

Rates Reduce Temporarily

Your interest rate is reduced by 3%, 2%, then 1% below market rate for years 1, 2, and 3 respectively, lowering your monthly payments.

3

Build Equity & Save

You build equity faster with lower payments while saving thousands during the initial years when finances are typically tightest.

Ready to Reduce Your Mortgage Payments?

Get a personalized 3-2-1 buydown quote in minutes

✨ Why Choose 3-2-1 Buydown?

The Smart Way to Buy Your Home

Stop letting high interest rates keep you from your dream home. A 3-2-1 buydown gives you breathing room when you need it most – those crucial first few years of homeownership.

Massive Monthly Savings

Save hundreds every month during the first three years when expenses are typically highest – moving costs, furniture, repairs, and settling into your new community.

Build Equity Faster

Lower payments mean you can invest more in home improvements, pay down other debts, or build your emergency fund while still building valuable home equity.

Financial Security

Create a financial buffer for life's unexpected moments. Lower house payments give you flexibility to handle emergencies without stress.

Perfect Timing

Most families see income growth over 3 years. By year 4, when payments normalize, you'll likely be earning more and better positioned to handle the standard payment.

Real Savings Example

$400,000
Traditional 30-Year Fixed
7.0% Rate
$2,653/mo
VS
3-2-1 Buydown Year 1
4.0% Rate
$1,910/mo
Save $743/mo
3-2-1 Buydown Year 2
5.0% Rate
$2,147/mo
Save $506/mo
3-2-1 Buydown Year 3
6.0% Rate
$2,398/mo
Save $255/mo
Total 3-Year Savings
$30,456
More money in your pocket
Family of four, including mother, father, and son and daughter sits in front of their beautiful home. They are proud and smiling to be in such a great place.
📞 Get Started Today

Ready to Save Thousands on Your Mortgage?

Our mortgage specialists are standing by to help you secure a 3-2-1 buydown and start saving immediately. Get your personalized quote in under 24 hours.

Call Now for Instant Help

Speak with a licensed mortgage specialist

(555) 123-4567

Email Us Anytime

Get detailed answers to your questions

buydown@yourcompany.com

Visit Our Office

Meet with us in person

123 Main Street, Suite 100
Your City, ST 12345

Why Choose Us?

15+
Years Experience
$2B+
Loans Funded
4.9★
Client Rating
24hr
Pre-Approval

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