How to Use Cash to Buy Down Your Interest Rate (and Save Big)

Learn how to reduce your mortgage interest rate using cash without extra fees.

When interest rates are high, every fraction of a percentage can mean a big difference in your monthly payment—and total cost over the life of a loan. That’s why Dr. Jacob Wiley is educating homebuyers on how to use a simple “buy down” strategy to reduce their interest rate with cash.

Let’s say the current FHA rate is 6%. By putting down 1–2 points (a percentage of the loan amount), a borrower can drop their rate to something like 5.25%—saving thousands over time. Unlike retail lenders, Jacob’s wholesale model doesn’t charge origination fees, so that money works entirely in the buyer’s favor.

If you’re serious about saving long-term, this is a move worth exploring.

📞 Call Dr. Jacob Wiley at (956) 478-0700🌐 www.drjacobwiley.com