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At Dream Home Mortgage, we work with homebuyers across Texas every day, and one topic that keeps coming up lately is 2-1 buydown loans in Frisco.
With higher interest rates, many buyers assume they have to stretch their budget or delay buying. What we’re actually seeing is that 2-1 buydowns are helping qualified buyers lower their payments in the first two years, especially when seller credits are structured correctly.
From our experience:
That said, a 2-1 buydown isn’t for everyone, and we often advise buyers to compare it against fixed-rate and ARM options based on long-term goals.
We recently published a detailed Frisco-specific guide covering lender availability, requirements, and common mistakes we see buyers make:
https://dreamhomemortgage.com/2-1-bu...-availability/
We’d love to hear from other professionals and buyers here:
Happy to answer general questions and share insights from the lending side.
With higher interest rates, many buyers assume they have to stretch their budget or delay buying. What we’re actually seeing is that 2-1 buydowns are helping qualified buyers lower their payments in the first two years, especially when seller credits are structured correctly.
From our experience:
- Not every lender in Frisco offers 2-1 buydowns
- Seller participation is often the key to making it work
- Credit and loan type matter more than most buyers expect
- These loans can outperform ARMs in the right scenario
That said, a 2-1 buydown isn’t for everyone, and we often advise buyers to compare it against fixed-rate and ARM options based on long-term goals.
We recently published a detailed Frisco-specific guide covering lender availability, requirements, and common mistakes we see buyers make:
https://dreamhomemortgage.com/2-1-bu...-availability/
We’d love to hear from other professionals and buyers here:
- Are sellers in your area open to funding buydowns?
- Have you seen 2-1 buydowns close more deals lately?
- What concerns do buyers raise most often?
Happy to answer general questions and share insights from the lending side.
