10/15/2026
A temporary rate buydown may be a helpful option for homebuyers to ease into their mortgage payments by reducing the effective interest rate used to calculate principal and interest for a limited period, typically one to three years. While the payment is temporarily reduced, the actual mortgage note rate does not change.
It can provide lower initial monthly payments during a transitional time, with buydown funds contributed at closing by a third party, such as a seller or builder. That short-term savings may create more room for moving costs, repairs, upgrades, or other priorities. Buyers should still be comfortable with the full monthly payment once the buydown period ends.
We can help you compare a temporary buydown to other strategies that may fit your unique situation. To learn more, visit 👉 www.acmllc.com/lp/c21-redwood to explore your options.
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* Eligibility for all applicants cannot be guaranteed. Atlantic Coast Mortgage (“ACM”) and Century21 Redwood Realty are separate entities and are not affiliated. Consumers are not obligated to use either or both entities to obtain financing or purchase a property.
