3/1 Buydown Home Purchase in Arizona

Start 3% lower. Ease in over three years.

A 3/1 Buydown reduces your interest rate by 3% in year one, 2% in year two, and 1% in year three before settling at the note rate — the biggest first-year payment relief of any buydown, often funded by seller or builder credits.

Why buyers choose a 3/1 buydown

• Maximum first-year savings on Phoenix-metro payment sizes
• Seller or builder credits can fund the buydown — we negotiate this into offers
• If rates drop, refinance and unused buydown funds credit back
• Free appraisal, waived lender fees, ~30-day purchase closings

3/1 vs. 2/1 buydown

A 2/1 buydown eases in over two years; the 3/1 stretches relief across three with an even lower start. We'll show the full payment schedule for every year next to a straight 30-year fixed so the choice is clear.