Buyer Program
The 2-1 Buydown Program
Use my commission credit to lower your mortgage payment for the first two years of homeownership, with any lender you choose.
Realtor + Mortgage Broker
One Agent. Two Licenses. More Money Working for You.
I’m a licensed Arizona REALTOR® and I own Achievers Mortgage, LLC, so I can guide you through both the home search and the financing. After more than 30 years doing both, I know exactly where buyers leave money on the table.
You don’t have to use me for both. My buyer program works with any lender you choose, so you can shop your loan freely and still get my credit toward a 2-1 rate buydown.
How the Credit Works
Up to 3% Toward Your Buydown and Closing Costs
1% Back From My Commission
At closing, I give you 1% of the purchase price from my commission as a credit toward any buydown rate program. On a $500,000 home, that’s $5,000 working for you.
The Seller Covers the Rest
Most loan programs allow up to 3% in concessions. When needed, I negotiate for the seller to contribute up to 2% more, which can cover the rest of the buydown and much of your closing costs.
Use Any Lender You Want
The credit comes from my real estate commission, not from a loan. Use a bank, a credit union, or my company. You never have to use Achievers Mortgage to receive it.
What Is a 2-1 Buydown?
Lower Payments While You Settle In
A 2-1 buydown is a temporary rate reduction. The cost is paid up front at closing, giving you lower payments while you move in, furnish the house, and adjust to homeownership.
Year 1
2% Lower
Your interest rate is 2% below the rate on your loan.
Year 2
1% Lower
Your interest rate is 1% below the rate on your loan.
Years 3+
Full Rate
You pay the full rate you locked for the rest of the loan.
More Buydown Options
The 2-1 Isn’t the Only Choice
There are also 1-0, 1-1, and even 3-2-1 buydown programs. I’ll help you pick the one that fits your budget, your plans, and what the deal allows.
1-0
1-0 Buydown
Your rate is 1% lower for the first year, then the full rate after that.
1-1
1-1 Buydown
Your rate is 1% lower for each of the first two years, then the full rate.
3-2-1
3-2-1 Buydown
Your rate is 3% lower in year one, 2% lower in year two, and 1% lower in year three.
A Cleaner Offer Means More Room to Negotiate
Depending on your loan amount and rate, my 1% credit alone can cover some of these buydowns, so no seller contribution is needed. That makes for a clean offer, because the seller is usually already prepared to pay a buyer’s agent 3%. When I don’t have to ask the seller for any other concessions, I can negotiate the price more aggressively for you.
The Best Part
The Buydown Money Is Yours
The buydown funds go into an escrow account and are used to lower your monthly payment during the first two years. If rates drop and you refinance before the buydown runs out, you don’t lose what’s left. That’s a real difference from paying permanent points up front, which you give up if you refinance early.
- Buydown funds are held in an escrow account, not spent at closing.
- Each month, the account covers the difference in your payment.
- If rates drop, you can refinance. You’re not locked into the higher rate.
- Any unused balance is credited back to you, usually applied toward your loan balance at payoff.
In Short
Lower Payments Now. Refinance If Rates Fall. Nothing Wasted.
Tell me a little about your plans and I’ll show you what the credit and a 2-1 buydown could look like on the homes you’re considering.
Commissions are negotiable and are set out in a written buyer-broker agreement. Buydown and credit amounts are subject to lender approval and loan program limits on agent and seller contributions. Handling of unused buydown funds varies by lender and loan program. Refinancing depends on market rates and qualifying at that time. This is not a commitment to lend.
Achievers Mortgage, LLC · 3500 N. Hayden Rd. #1302, Scottsdale, AZ 85251
AZ License #MB0905740 · NMLS #166778 · William Samuel Forsythe III, NMLS #170159