Ask us how a qualified buyer can cut their initial interest rate by 2 points during the first year!

The current interest rate environment is forcing buyers and sellers to be more creative. Our Step Up program allows for a reduced initial interest rate for the first 12 or 24 months. There is a cost to the program, payable in a few different ways, that we will detail to qualified buyers and sellers.

This is a tremendous way to help buyers obtain a house at an initial lower payment, allowing them to see where interest rates go over the next 12 or 24 month period. If/when it makes sense for a buyer to refinance to a lower permanent rate, we will waive our lender fees for that buyer IF their initial purchase mortgage loan closed with Acopia Home Loans.

A buydown also offers sellers a way to compete with new construction communities by offering reduced rate incentives to help their property stand out.

*”Qualified buyer” for this promo has a 760+ credit score, 25% down, $250,000 minimum loan amount. Buyers not meeting these criteria are still eligible but at different terms and parameters.