Temporary Buydown Program

The ResiCentral Temporary Buydown program enables borrowers to buy homes even when interest rates are high. This program helps buyers lower their monthly payments for up to three years by offering a lower mortgage rate.

Our Temporary Buydown Program is beneficial in many ways.

This program allows buyers to take advantage of lower interest rates, with no additional cost or points required upfront. It also reduces the buyer’s monthly payment, helping them to keep more money in savings and build equity sooner than they would have otherwise been able to do so.

3-2-1 Buydown

Payment calculated at 3% below the Note Rate for first year (months 1‑12)
Payment calculated at 2% below the Note Rate for first year (months 13‑24)
Payment calculated at 1% below the Note Rate for the second year (months 25‑36)
Payment calculated at the Note Rate starting on the 37th month through maturity

2-1 Buydown

Payment calculated at 2% below the Note Rate for first year (months 1‑12)
Payment calculated at 1% below the Note Rate for the second year (months 13‑24)
Payment calculated at the Note Rate starting on the 25th month through maturity

1-0 Buydown

Payment calculated at 1% below the Note Rate for the first year (months 1‑12)
Payment calculated at the Note Rate starting on the 13th month through maturity

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