If you’re ready to become a homeowner but concerned about your monthly payments for the first few years, the Temporary Interest Rate Buydown Program can be an excellent option for you!


With this program, the interest rate is brought down temporarily for the first few years of the loan. This allows buyers to ease into the full mortgage payment at the beginning of the loan term. Having a lower monthly payment early on in your loan term will help you free up cash flow for home improvements, furniture purchases, or landscaping. Check out the chart below for an example of how you can save!


Please contact a loan officer in order to get additional details about program differences and how you can qualify.



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Could the 2-1 Buydown Program be beneficial for you?

Check out this example to see how much you could save annually!



  • Max total interest rate reduction of 2%, max increase per year of 1%
  • Minimum 660 FICO
  • Owner Occupied/Purchase Transaction only
  • Fixed rate only
  • Borrower-funded buydown accounts are ineligible

What Our Customers Are Saying


What Our Customers Are Saying


Everyone we came across at the company made our process a lot less stressful. They answered all our questions and made sure we handed everything that needed to be handed in on time. Thanks!

Paul K. / Homebuyer, NJ

We highly recommend Family First as they are an amazing team, efficient, honest and always available! Not only would I recommend Family First to my clients, I do use them for our family's mortgage needs!

Lisa C. / Real Estate Agent, FL

Great service, very professional. Highly recommended!

Christofer V. / Homebuyer, TX

Expertise, open communication at all times, and complete confidence knowing that my Buyer was wonderfully serviced and their loan would close!

Laure M. / Real Estate Agent, NJ

It was a smooth process from start to finish and I appreciate the time each of them took to answer any questions I may have had with respect to the process, the paperwork, etc. They were all incredibly kind, helpful, and responsive no matter how small the question may have been, and as a first time homebuyer I am very grateful for that.

Jessica S. / Homebuyer, NJ
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