Hi everyone — Dream Home Mortgage here. With many buyers planning ahead for 2026, we’re seeing a common theme: people want clarity before they start house hunting, especially around monthly payments.
One option that keeps coming up is the 2-1 buydown. It’s a mortgage structure that reduces your interest rate temporarily—2% lower in year one and 1% lower in year two—before returning to the standard fixed rate. For many buyers, this creates a smoother transition into homeownership during the early years.
What’s important to know is that a 2-1 buydown doesn’t start with an offer on a home—it starts with prequalifying for a home loan. Prequalification helps buyers understand their numbers early, including budget range, estimated payments, and which programs they may actually qualify for. It’s especially useful for anyone planning 6–12 months ahead.
We recently published a straightforward guide explaining how prequalification works with a 2-1...
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Home Buying in 2026? This 2-1 Buydown Strategy Is Worth Knowing
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Dream Home Mortgage started a topic Bad Credit and Still Want to Buy a Home? Here’s What Actually Works in 2025in Deal BoxBad Credit and Still Want to Buy a Home? Here’s What Actually Works in 2025
A lot of people think bad credit kills any chance of buying a house. That’s not really true anymore. Bad credit mortgage loans exist for a reason, and many buyers qualify with scores around 580 if their income is stable and recent payments are clean. FHA loans and home lenders for bad credit look at the full picture, not just the number. Prequalifying early helps you see what’s realistic and what to fix before applying. Bad credit doesn’t end the dream—it just changes the path.