The Truth About Buydowns: Why a Permanent Rate Reduction Beats Temporary Teasers

Thinking about buying a home? Learn how temporary and permanent rate buydowns can save you money upfront or over time.

You’ve probably seen rates as low as 4.99% floating around—but here’s what most people don’t realize:Those rates are often part of temporary buydowns, like 2-1 programs, that last just a year or two before the rate jumps back up.

Let’s break it down:🏠 A 2-1 buydown might look good upfront, but you’re spending thousands to rent a discount that disappears.📉 A permanent buydown, on the other hand, reduces your rate for the entire life of the loan.

✅ It’s safer.

✅ It’s smarter.

✅ And it can actually save you more over time.

If you’re buying now and want to stay financially stable, ask your lender about permanent buydowns—and if they don’t offer them, call me. It’s what we specialize in.

The Truth About Buydowns: Why a Permanent Rate Reduction Beats Temporary Teasers

📲 Text “FIVE” to 956-478-0700 or visit www.drjacobwiley.com to learn more.