Buying down your mortgage interest rate can reduce your monthly payments and total loan cost—especially if you plan to stay in the home long-term. Here’s a breakdown of the key benefits and considerations: — 🏡 What Is a Mortgage Rate Buydown? • A rate buydown involves paying discount points upfront at closing to lower your mortgage interest rate. • Each point typically costs 1% of the loan amount and reduces the rate by about 0.25%, though this can vary. — 💰 Primary Benefits • Lower Monthly Pa
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🔥 What is a Buy-Down when buying a home? ⸻ 💭 Ever heard “you can do a rate buy-down” and thought wait, am I buying what now? Let’s make this super simple 👇 ✅ A Buy-Down = buying down your interest rate. It means you (or sometimes the seller!) pay money upfront to temporarily or permanently lower your mortgage interest rate. ✅ 2 types you’ll hear about: 📉 Temporary Buy-Down: Your rate starts lower (like 2% lower the first year, 1% lower the next) and then goes back to normal later. Example: a
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