Save $300-$400 Per Month on Your Mortgage | Temporary Buydowns Explained

 

One of the most valuable financing tools available in today's market is the Temporary Buydown, yet many buyers—and even some real estate professionals—don't fully understand how it works.
In this video, I break down the differences between a permanent rate buydown and a temporary buydown, explain how a 1-0 buydown can reduce a buyer's monthly payment during the first year of homeownership, and show how seller concessions can be strategically used to create immediate savings without reducing the purchase price.
Here's what you'll learn:
✅ What a permanent rate buydown is and when it makes sense
✅ How a temporary buydown works
✅ How a 1-0 buydown can lower monthly payments by $300-$400 per month
✅ How the buydown funds are set aside and applied each month
✅ Why temporary buydowns have become such a powerful negotiating tool
✅ How seller concessions can be used to fund the buydown
✅ Information about current UWM temporary buydown opportunities
As inventory levels increase and negotiations become more common, understanding creative financing strategies can help buyers improve affordability and help Realtors create stronger, more attractive offers.
Whether you're actively shopping for a home, preparing to list a property, or helping clients navigate today's market, this is a strategy worth understanding.
If you'd like to see how a temporary buydown could impact your monthly payment—or whether it makes sense for a specific transaction—I'd be happy to run the numbers for you.
Tammie VanDeusen
Summit Lending
📞 (719) 310-3438
📧 tammie@summitlendingusa.com
"Your lender from your first home to your last — from the mountains to the mesas."
NMLS #514878
Summit Lending NMLS #1850081

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