The Opulence Advantage Buydown: A Smart Way to Ease Into Homeownership

In a market where interest rates can impact monthly affordability, Opulence offers a strategic way to help buyers take control early in their homeownership journey. The Opulence Advantage Buydown is designed to reduce your mortgage payments in the first two years - giving you time to settle in and plan ahead.

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What Is a 2-1 Buydown?

A 2-1 buydown is a feature applied to certain fixed-rate loans that lowers your interest rate temporarily:

• Year 1: Interest rate is reduced by 2%
• Year 2: Reduced by 1%
• Year 3 and beyond: Locks into the original fixed rate

This structure offers lower payments in the early years, which can be especially useful during the transition into a new home.
Borrowers must qualify based on the full loan terms, not the reduced payment amounts.

What Makes It the "Opulence Advantage"?

Plenty of lenders offer buydowns - but Opulence goes a step further by integrating the mortgage and real estate process under one roof. That opens up more flexibility and speed when structuring offers.

Here's what that means for you:

• Stronger Negotiation Power
• Our agents know how to structure purchase offers that include seller-paid buydown credits - which can help reduce your monthly costs without having to lower the price of the home.
• Flexible Structuring to Keep Deals Together
• If an appraisal comes in low, the buydown option can be used to preserve the contract while still giving the buyer a monthly benefit.
• A Built-In Transition Period
• If you’re planning for higher income, reducing debt, or just want a cushion while settling into a new home, this option gives you room to breathe - without sacrificing the long-term value of a fixed-rate mortgage.

Example: What It Looks Like in Action

Let's say your loan's fixed interest rate is 7%:

• Year 1: Your monthly payment is based on 5%
• Year 2: Payment adjusts to 6%
• Year 3 onward: Locked at 7% for the life of the loan

This structure can mean hundreds in monthly savings early on - savings that can be used for moving expenses, upgrades, or building a cushion.

Verify my home purchase mortgage eligibility

Who Benefits Most?

• First-time buyers watching their monthly budgets
• Homeowners planning for income growth or financial transitions
• Buyers in competitive markets looking for a strategic edge
• Sellers offering credits in lieu of price drops

What to Know Before Moving Forward

• The program must be requested early in the process
• Buyers must qualify based on the full payment at the standard rate
• All terms will be clearly outlined and disclosed before closing
• Not all transactions will be eligible - talk with your loan expert for details

Verify my home purchase mortgage eligibility

Let's See If It's a Fit

The Opulence Advantage Buydown is one of many ways we help our clients structure smarter deals - whether you're buying your first home or your fifth. If you’re exploring options, connect with our team to find out if this strategy makes sense for your goals.

📞 Talk to an Opulence advisor today to learn more about what's possible.