Rate Buydown Options
Lower early payments with a temporary buydown, or ask about permanent options. Current rates on request; subject to change.
- Not available on every loan program.
- Who may pay buydown funds (borrower, seller, builder, or another allowed party) depends on guidelines.
- This page is general information only. It is not a commitment to lend, a loan approval, or a rate lock.
- Rates, payments, fees, and program availability change and may not be available when you apply.
Ask About Rate Buydown
A rate buydown can lower your monthly payment for a set period — or, with discount points, for the life of the loan. Entrust Home Lending helps Texas buyers understand how temporary and permanent buydowns work and whether one fits their purchase. Current rates and pricing are available on request and are subject to change. Contact a loan officer for today’s options.
What is a temporary rate buydown?
A temporary buydown uses funds (often from a seller, builder, or the borrower) to reduce the interest rate used to calculate your payment for the first one to three years of the loan. Common structures include 2-1, 3-2-1, and 1-0 buydowns. After the buydown period ends, your payment generally moves up to the full note-rate payment unless you refinance or otherwise change the loan.
Temporary buydowns are not the same as a permanently lower note rate. They are a short-term payment subsidy subject to loan program and investor rules.
Temporary vs permanent buydown
- Temporary buydown: Lower payments for a limited early period; payment typically increases afterward.
- Permanent buydown (discount points): Prepaid interest that can lower the note rate for the life of the loan when used and allowed by the program.
Your loan officer can explain which option — if any — is available for your credit, property, occupancy, and loan program.
Who it can help
Temporary buydowns may help buyers who want lower payments in the early years of ownership, are negotiating seller or builder credits, or want to ease cash flow while settling into a new home. Availability depends on the lender/investor, underwriting, and how buydown funds are allowed on that file.
How it works with Entrust
- Tell us about your purchase and timeline.
- A loan officer reviews whether a temporary or permanent buydown is allowed on programs that fit you.
- We walk through current pricing and payment scenarios for your loan amount and terms — nothing on this page is a quote or lock.
Good to know
- Not available on every loan program.
- Who may pay buydown funds (borrower, seller, builder, or another allowed party) depends on guidelines.
- This page is general information only. It is not a commitment to lend, a loan approval, or a rate lock.
- Rates, payments, fees, and program availability change and may not be available when you apply.
Talk to a loan officer about whether a rate buydown fits your purchase.
Current rates available on request — subject to change.
Call the office at (346) 730-1153, reach Pamela at (832) 953-9171, or send a message and a loan officer will follow up.
Rate buydown options are not available on all loan programs and are subject to lender/investor approval, credit, property, and underwriting. This page is for general information only and is not a commitment to lend or a lock. Rates, payments, and program availability change and may not be available when you apply. Contact a loan officer for current pricing. Entrust Home Lending LLC, NMLS #2581928. Equal Housing Lender.
IMPORTANT DISCLOSURES — RATE BUYDOWN INFORMATION
This page describes temporary and/or permanent mortgage rate buydown concepts for educational purposes only. It is not an advertisement of a specific rate, APR, payment, or loan product, and it is not a commitment to lend, a loan approval, or a rate lock.
Temporary buydowns typically reduce the borrower’s payment for a limited initial period (for example, a 2-1 or 3-2-1 structure). After the buydown period, payments generally increase to the note-rate payment unless the loan is refinanced or otherwise modified. Permanent buydowns (discount points) are different and affect the note rate for the life of the loan when used. Availability, structure, and who may pay buydown funds (borrower, seller, builder, or other allowed party) depend on the loan program, investor guidelines, and underwriting.
Interest rates, APRs, fees, and payments change frequently and may not be available at the time of application. Any hypothetical examples, if shown, are illustrative only and assume stated terms that may not match your situation.
Equal Housing Lender. Entrust Home Lending LLC does not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, disability, or because all or part of an applicant’s income is derived from a public assistance program (ECOA / Fair Housing).
Entrust Home Lending LLC is licensed by the Texas Department of Savings and Mortgage Lending as a Mortgage Company, NMLS #2581928. NMLS Consumer Access: https://www.nmlsconsumeraccess.org/
Company address: 9720 Cypresswood Dr Suite 180, Houston, TX 77070 · (346) 730-1153 · info@entrusthl.com
Texas residents: For the official consumer complaint notice and Equal Housing language, see https://www.entrusthomelending.com/disclosures/
Who This Is For
- Buyers who want lower payments in the early years of ownership
- Buyers negotiating seller or builder credits
- Buyers who want to ease cash flow while settling into a new home
Related Resources
Serving Houston, Cypress, Tomball, Spring, Klein, Katy, The Woodlands, Sugar Land, and communities across Texas.
Ready to Talk Through Rate Buydown?
Tell us about your situation and we'll tell you honestly what it will take to qualify.
or call (346) 730-1153 or (832) 953-9171
