Unlock Lower Mortgage Payments in Your First Year

Buying a home is one of life’s most exciting milestones—but managing monthly payments can feel daunting, especially with rising mortgage rates. What if there were a way to reduce your payments during that all-important first year without adding extra costs?

That’s exactly what the Lender-Funded 1-Year Buydown Program offers. Imagine paying 1% less on your mortgage interest for the first 12 months—all at no added expense to you. It’s an innovative way to make homeownership more affordable and accessible.

How Does the 1-Year Buydown Program Work?

This program lowers your interest rate by 1% for the first year of your mortgage, significantly reducing your monthly payments. After the first 12 months, the loan adjusts to a fixed 30-year rate, providing the long-term stability of a traditional loan.

💰 Here’s an example:

• If the market interest rate is 7%, your first year’s rate will be 6%.
• After 12 months, your rate reverts to the fixed market rate of 7% for the remaining 29 years.

The best part? The lender fully funds the buydown. You don’t need to pay extra fees or points at closing—it’s truly a win-win!

Top Benefits of the 1-Year Buydown Program

• ✅ No Out-of-Pocket Costs

Unlike conventional rate buydown programs, this one is fully funded by the lender—meaning zero added expense for you.

• ✅ Lower Payments in Year 1

Enjoy a temporary reprieve, with lower monthly payments that keep more money in your pocket during your first year of homeownership.

• ✅ Fixed-Rate Loan Stability

After year one, your rate locks in for the remaining 29 years, offering the security of a long-term fixed-rate mortgage—no surprises, no adjustments.

• ✅ Flexibility to Refinance

If rates drop in the future, you have the freedom to refinance at no penalty, allowing you to leverage better rates as they become available.

• ✅ More Financial Breathing Room

Lower payments in the first year mean extra cash you can spend on other priorities, like:

• • Home improvements or upgrades
  • New furniture or appliances
  • Moving expenses
  • Building your savings

How Much Can You Save?

Here’s an example of the savings this program could bring to your first-year payments:

Loan Amount	Standard Rate (7%)	Buydown Year 1 Rate (6%)	Monthly Savings (Year 1)	Total Savings (First Year)
$300,000	$1,995	$1,799	$196/month	$2,352
$400,000	$2,660	$2,398	$262/month	$3,144
$500,000	$3,325	$2,998	$327/month	$3,924

💡 That’s thousands of dollars in savings during year one—all covered by your lender!

Who Qualifies for the Program?

The Lender-Funded 1-Year Buydown Program is open to buyers who meet the following criteria:

• ✔️ First-time homebuyers and repeat buyers
• ✔️ Primary residence purchases, including single-family homes, condos, or townhomes
• ✔️ Loans that meet Fannie Mae & Freddie Mac eligibility

Whether you’re buying your first home or upgrading to a new one, this program is designed to make homeownership accessible and affordable.

Why Choose the 1-Year Buydown Program?

Buying a home shouldn’t feel financially overwhelming. With this program, you’ll enjoy the perfect blend of upfront savings and long-term security. It’s an ideal way to ease into ownership while maintaining the stability of a fixed-rate loan.

Take the First Step Toward Lower Payments

At [Your Company Name], we’re here to guide you every step of the way. Our team can help you determine if the Lender-Funded 1-Year Buydown Program is the right fit for your home purchase and savings goals.

📩 Click Here to Contact us today to get started or learn more about how you can benefit from this game-changing mortgage program.

Unlock lower payments, enjoy freedom from added costs, and make your first year in your new home more comfortable.

Your dream home is within reach—let us make it happen!