2-1 Buydown Mortgage Program

2/1 Buydown Mortgage Program

What It Is and How It Works

Worried about rising mortgage rates?

Here's a strategy that could get you in a home faster!

Did you know there are programs that can help you secure a lower mortgage interest rate to help you get into the home you want now?


One strategy is a 2/1 Buydown, which gets you a lower rate for the first two years of your loan. With home values still high, and rates in a state of flux, Temporary Buydowns can be a great option to help your borrowers afford to purchase more home.

Solve Lending & Realty offer both a 2-1 and a 1-0 buydown, and they are available on Conventional and Home Possible, FHA, VA and USDA loans. It is available only on purchase transactions.

This is just one of the ways we help homebuyers get into the home they want on their own timetable, even when rates are rising.

Interested in learning more about 2-1 buydowns and other homebuyer incentives we’re seeing in the market?

What’s got you thinking about buying a home right now?

✅ Got it — let’s dial in the right plan based on where you’re at.

What’s your current living situation?

What’s the address of the home you currently own?

Country

This helps us check your equity, rental comps — and see if Prop 19 or a 1031 exchange could save you thousands in taxes.

✅ Thanks! That helps us understand how equity or timing plays into your move.

Where are you looking to buy?

And what’s your ideal price range?

✅ Great choice — we’ll check current pricing and availability there.

How much do you plan to put down for your home purchase?

What’s your estimated credit score?

✅ Got it — we’ve got loan programs for every credit tier, and we’ll match you to the best fit based on your profile.

When are you hoping to buy?

Have you been pre-approved by a lender yet?

Do you already have a real estate agent helping you?

✅ Awesome — we’ll align your home search with your timeline, financing status, and whether you’ve got an agent or need a local expert. You’re in good hands.

What matters most in your next home?

✅ Love it — those priorities will guide your custom search.

Where should we send your mortgage plan + home matches?

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2-1 buydown Mortgage Program

Temporary Rate Buydowns are available for:

  • Conventional primary and second home purchases

  • FHA and VA primary home purchases

  • Prime Jumbo 30-year fixed primary and second home purchases

It’s a great option for almost any homebuyer,

especially those who:

  • Expect an increase in their income in the next few years

  • Have excess seller concessions to use and want to take advantage of a low fixed rate

  • Are looking to do renovations, make upgrades, or buy furniture for their new home

  • Are going from renting to buying and want to ease into their mortgage with a lower payment

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Smart Solutions

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18000 Studebaker Rd ste 700, Cerritos, CA 90703, USA

18000 Studebaker Rd, STE 700

Cerritos, CA 90703

Toll Free: (833) 2-SOLVE-4

Direct: (714) 683-0224

[email protected]

Equal Lender Opportunity

Company NMLS ID: 2013271

DFP CFL License ID: 60DBO-153595

Equal Housing Opportunity

Company DRE ID: 02123993

For information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval.

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