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Smart Start Savings: Lock in Your Dream Home with a Lower Rate

Smart Start Savings: Lock in Your Dream Home with a Lower Rate

Smart Start: Discover the 2/1 Buydown Advantage

Owning a new home is an exciting milestone, but financial considerations can often feel overwhelming. That’s why Homes by Thrive, in partnership with NFM Lending, is offering an incredible February incentive designed to make your transition to homeownership easier and more affordable. With a 2/1 Buydown program, you can enjoy reduced mortgage payments during the first two years of your loan on your new home.

Let’s dive into how a 2/1 Buydown works, the savings it provides, and why this incentive could be your key to stepping into your dream home.

What Is a 2/1 Buydown?


A 2/1 Buydown is a strategic mortgage option that temporarily reduces your interest rate during the first two years of your loan term. This makes monthly payments more manageable at the start, offering financial flexibility when you need it most. Here’s how it works:

  • Year 1: Your interest rate is reduced by 2%, lowering your monthly payments significantly. Use the savings to furnish your new home, build an emergency fund, or take care of other priorities.
  • Year 2: Your interest rate is reduced by 1%, continuing to provide relief as you adjust to homeownership.
  • Year 3 and Beyond: Your interest rate returns to the standard fixed rate, offering stability and predictability for the remainder of your loan term.

This program is ideal for first-time buyers, families planning for financial changes, or professionals anticipating career growth.

Why Choose the 2/1 Buydown Program?

The 2/1 Buydown program delivers significant advantages that make the transition to homeownership smoother and more affordable:

  • Affordability: Lower initial payments mean reduced financial stress and easier budgeting during your first years as a homeowner.
  • Flexibility: Perfect for buyers expecting income growth or other financial improvements in the near future.
  • Smooth Transition: Gradually adjust to your full mortgage payment while enjoying the peace of mind that comes with a fixed-rate loan.

Who Benefits the Most?

This incentive is particularly valuable for:

  • First-time homebuyers: Gain a foothold in the housing market with reduced initial payments.
  • Buyers who Like to Plan: Manage evolving financial needs with a program that adapts to your circumstances.
  • Professionals on the Rise: Align your payments with anticipated salary increases or career advancements.

Why Act Now?

For February only, Homes by Thrive is partnering with NFM Lending to make this 2/1 Buydown incentive even more accessible. This limited-time opportunity is designed to help you achieve homeownership with confidence and financial security. Whether you’re looking to buy your first home or upgrade to a new one, this program offers unmatched savings and peace of mind.

Getting Started

Ready to take advantage of the 2/1 Buydown incentive? Contact Homes by Thrive and our preferred lender, NFM Lending, today to learn more. Let’s turn your dream of homeownership into reality with a financial strategy that works for you. Important Disclosures NFM Lending is an Equal Housing Lender. Loan approvals are subject to title search, property appraisal, and underwriting requirements. Offers vary by program and location and are subject to change without notice. Eligibility requires a completed application and verification of income, credit, and collateral. See full terms and conditions at NFM Lending.

Important Disclosures

NFM Lending is an Equal Housing Lender. Loan approvals are subject to title search, property appraisal, and underwriting requirements. Offers vary by program and location and are subject to change without notice. Eligibility requires a completed application and verification of income, credit, and collateral. See full terms and conditions at NFM Lending.


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