Buying a Home with High Mortgage Rates? Here's How to Save Big with a Temporary Buydown

So you're ready to buy a home—but those mortgage rates? Not exactly helping.

You’re not alone. With interest rates higher than we’ve seen in years, many buyers are second-guessing their decision to enter the market. And sellers? They're stuck waiting, wondering if they’ll need to make major price cuts just to close a deal.

But here’s the good news: there’s a way to ease the burden for both buyers and sellers—without slashing the price or walking away from the table. It’s called a temporary buydown, and it can save buyers thousands in the first couple of years of homeownership.

🔍 What’s a Temporary Buydown?

A temporary buydown is a mortgage financing technique where the seller (or builder or lender) pays to temporarily lower the interest rate on a buyer’s mortgage for the first one or two years.

With a 2-1 buydown, for example:

• You get 2% off your mortgage rate in the first year

• 1% off in the second year

• Then your loan settles into the full rate for the remaining term

That means lower monthly payments up front, when you need the savings the most. And if rates drop in the future, you can always refinance.

🧠 Why This Matters in Today’s Market

• Buyers get relief from high monthly payments in the early years of their mortgage

• Sellers don’t have to slash their listing price—instead, they offer a strategic incentive

• Everyone wins: Homes sell faster, and buyers get a financial breather during a time of high inflation and economic uncertainty

🎯 Ready to Learn How It Works?

We’ve put together a FREE, easy-to-understand guide to show you exactly how temporary buydowns work—and how to take advantage of this strategy whether you’re buying or selling.

👉 Click here to get your free guide now

Don’t let today’s mortgage rates scare you off from owning the home you’ve been dreaming about. A buydown could be the key to making it happen.