Mortgage Savings
Unlock Savings with Mortgage Buydowns
Discover how a mortgage buydown can put more money back in your pocket. By reducing your interest rate through upfront points, you’ll enjoy lower monthly payments and increased buying power. Whether short-term relief or long-term savings, buydown options make homeownership more affordable while keeping your financial goals within reach.
Over 20+
Years of experience
At Southern Trust, we believe in simplifying home loans. Our Priority Approval program helps you move from application to approval in just one day, giving you a strong edge in the home-buying market.
About this loan
What is a Mortgage Buy Down?
A Mortgage Buy Down helps reduce interest costs by lowering monthly payments through upfront discount points, making homeownership more affordable, flexible, and sustainable for borrowers with varying financial goals and timelines.
It is especially helpful for:
Lower interest rates may help you qualify for a larger loan amount, giving you more options and access to homes that might otherwise be out of reach.
Buydowns provide both short-term and long-term savings. Temporary buydowns reduce payments in the early years, while permanent buydowns lower costs for the entire loan term.
With multiple buydown options available, you can choose the program that best fits your goals. Lower monthly payments also make budgeting easier and free up funds for other priorities.
In a seller’s market, buydowns can strengthen your offer. In some cases, points paid may also be tax-deductible. Always confirm with a tax advisor.
what you need
A Mortgage Buy Down requires meeting standard lending guidelines, covering upfront discount points, and showing financial readiness to ensure eligibility and long-term affordability.
To qualify for Buy down mortgages, you generally need:
Keys to Your Home
Guiding You to Homeownership
We provide expert guidance, resources, and tailored programs that simplify the mortgage process, helping every buyer move confidently toward successful homeownership.
Talk to an Expert
Let’s Find Your Best Buy Down Option
Every buyer’s situation is unique. Our specialists explain costs, compare temporary and permanent Buy Downs, and guide you to the option that maximizes savings for your goals.
Whether you're buying your first home or refinancing, Southern Trust Mortgage is here to guide you. With expert support and seamless loan solutions, we make homeownership simple and stress-free.
Southern Trust Mortgage LLC, NMLS #2921 ( www.nmlsconsumeraccess.org ) lends in the following states: District of Columbia – #MLB-2921 | Delaware –#036386 | Maryland | North Carolina – #205483 | Pennsylvania –#94064| South Carolina | Tennessee | West Virginia –#ML-34191 | Virginia – #MC7387 | Florida – MLD #2151; Southern Trust Mortgage, LLC d/b/a Southern Residential Lending in the following states: Georgia –#16579 | New Jersey – Licensed by the N.J. Department of Banking and Insurance. By refinancing a consumer’s existing loan, the consumer’s total finance charges may be higher over the life of the loan.
