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3-2-1 Buydown vs 2-1 Buydown vs 1-0 Buydown: How They Work, Who Pays, and Negotiation Tips

Learn how 3-2-1 buydowns, 2-1 buydowns, and 1-0 buydowns work, who pays for them, and how to negotiate a buydown to lower your mortgage payments in the first years of homeownership.
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Learn how 3-2-1 buydowns, 2-1 buydowns, and 1-0 buydowns work, who pays for them, and how to negotiate a buydown to lower your mortgage payments in the first years of homeownership.
Read More
  |    | 
Understand the difference between temporary and permanent rate buydowns. Learn how each works—and how smart borrowers may combine both for maximum savings.
Read More
  |    | 
Explore how a 2-1 buydown works and how it can help lower your initial mortgage payments. Learn who qualifies, the benefits, and long-term considerations.
Read More
  |    | 
Considering a cash-out refinance to pay off high-interest credit card or personal loan debt? Even at a higher rate, it could improve your monthly cash flow. Learn when refinancing makes sense.
Read More
  | 
Discover how the Florida Hometown Heroes Loan Program helps eligible full-time workers in Florida receive up to $35,000 in down payment assistance. Start your journey with CPF Mortgage today.
Read More
  |    | 
Discover the best Non-QM loans for self-employed homebuyers. Learn how flexible mortgage options like bank statement loans make homeownership possible without traditional income documentation.
Read More
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Learn how 3-2-1 buydowns, 2-1 buydowns, and 1-0 buydowns work, who pays for them, and how to negotiate a buydown to lower your mortgage payments in the first years of homeownership.
Read More
Understand the difference between temporary and permanent rate buydowns. Learn how each works—and how smart borrowers may combine both for maximum savings.
Read More
Explore how a 2-1 buydown works and how it can help lower your initial mortgage payments. Learn who qualifies, the benefits, and long-term considerations.
Read More
1 2 3 … 11

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Learn how 3-2-1 buydowns, 2-1 buydowns, and 1-0 buydowns work, who pays for them, and how to negotiate a buydown to lower your mortgage payments in the first years of homeownership.
Read More
Understand the difference between temporary and permanent rate buydowns. Learn how each works—and how smart borrowers may combine both for maximum savings.
Read More
Explore how a 2-1 buydown works and how it can help lower your initial mortgage payments. Learn who qualifies, the benefits, and long-term considerations.
Read More
Considering a cash-out refinance to pay off high-interest credit card or personal loan debt? Even at a higher rate, it could improve your monthly cash flow. Learn when refinancing makes sense.
Read More
Discover how the Florida Hometown Heroes Loan Program helps eligible full-time workers in Florida receive up to $35,000 in down payment assistance. Start your journey with CPF Mortgage today.
Read More
Discover the best Non-QM loans for self-employed homebuyers. Learn how flexible mortgage options like bank statement loans make homeownership possible without traditional income documentation.
Read More
1 2 3 … 6

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NMLS #222883
Christopher Paul Financial, LLC dba CPF Mortgage is a Florida mortgage lender NMLS 222883, Florida state license MLD929, Colorado registered mortgage company NMLS 222883, licensed Tennessee mortgage lender NMLS 222883, and Georgia Residential Mortgage Licensee NMLS 222883. The main office is located at 10710 State Road 54, Ste. C101, Trinity, FL 34655. All loan approvals are credit driven, and all decisions are based on underwriting credit approvals. All rates, terms, and programs are subject to change without notice. Borrowers should consider their options carefully when choosing a loan program.
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