Rate buydowns let you permanently or temporarily reduce your interest rate by paying points upfront. Whether you're looking for a 2-1 buydown, a 1-0 buydown, or a permanent rate reduction — I'll run the numbers and help you decide if a buydown makes sense for you.
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Loan Programs
You served. You've earned this benefit. VA loans offer $0 down, no private mortgage insurance, and highly competitive rates. I specialize in VA loans including manual underwriting and complex scenarios.
No down payment required Learn More →Ideal for first-time buyers or borrowers rebuilding credit. FHA loans allow as little as 3.5% down and offer flexible qualifying guidelines that conventional loans may not.
As low as 3.5% down Learn More →Move-up buyers, investors, and borrowers with strong credit profiles benefit from conventional financing — the most flexible terms and fewer restrictions than government-backed loans.
Best rates for strong credit Learn More →Pay points upfront to reduce your interest rate and monthly payment. We'll show you the math, calculate your break-even, and help you decide if buying down your rate makes sense.
Could lower your payment by $200+/mo Learn More →