Angela Carter - Angie Knows Loans

🏡 What if your mortgage payment started lower for the first two years?

A 2-1 Buy Down can help make homeownership more affordable during those first years after closing.

Here's an example on a $400,000 home with a permanent rate of 5.99%:

✅ Year 1: Rate reduced by 2%
✅ Year 2: Rate reduced by 1%
✅ Year 3: Returns to the full 5.99% rate

In this example, the payment savings add up to approximately $4,644 over the first two years.

This strategy can be especially helpful for buyers who expect their income to increase, are paying off debt, or simply want extra breathing room as they settle into their new home.

The best part: In many cases, the seller can pay for the buy down as part of your negotiations.

Every situation is different, but knowing your options can make a big difference.

📩 Curious if a 2-1 Buy Down could work for you? Send me a message and let's run the numbers.

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