2-1 buydowns and discount points, demystified — run live math on seller-paid rate relief and see your year-one payment savings.
Russell Petty, Founder
Broker Marketplace
Email: [email protected]
NMLS# 1509681
Empire Home Loans, Inc., NMLS ID #1839243, CA DRE #02086593, CA DFPI/CFL License #60DBO-95315, AZ Lic: MB-1012019. Refer to www.nmlsconsumeraccess.org to see additional license information. The Corporate office address is 4401 Hazel Ave Suite 225, Fair Oaks, CA 95628; www.empirehomeloans.com. This communication is for informational purposes only. This is not a commitment to lend. All programs are subject to change or cancellation at any time and without notice. Empire Home Loans, Inc., supports Equal Housing Opportunity.
2-1 buydowns and discount points, demystified — run live math on seller-paid rate relief and see your year-one payment savings.
Loan programs
A seller or builder credit can pre-fund a lower payment for the first one, two, or three years. We show the temporary payment, the permanent note rate, and the break-even against using that same credit for closing costs.
The seller offered a credit. Can it lower my rate?
Yes. We can test a permanent discount-point buy or a temporary 3-2-1 or 2-1 buydown.
You’ll see every year’s payment and what happens when it steps up—before you sign.
Delivered
The lender holds the subsidy in a custodial account and applies it monthly. Your note rate does not change; only the amount due from you changes during the subsidy period.
See the exact payment for every buydown year, the permanent payment after it ends, and the same credit applied three other ways.
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Equal Housing Opportunity. This is not a commitment to lend. All loans subject to credit approval, income verification and property appraisal. Rates shown are illustrative, not an offer, and change without notice.