Safe Harbor Realty
Safe Harbor Realty~ Karen Martin, Nicole Martin Wood

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How to get a Lower Mortgage Rate 

Take On High Rates with a Buydown
If you're looking to buy a home, you'll want to use all available savings, especially if mortgage rates are high. Two popular options are temporary and permanent buydowns. Both lower your initial loan's interest rate in exchange for a lump sum payment. This payment can be made by you, your home's seller or builder, or lender.
Consult your real estate agent to best use this option.  

Here's more about each type of buydown.

Temporary buydowns are designed to assist buyers during their first one to three years of home ownership. Here are the most common buydowns:
A 1-0 buydown reduces the loan's interest rate by 1% for the first year of its term before it reverts to its original rate.
A 2-1 buydown reduces the buyer's rate by 2% during the first 12 months and 1% during the second year before reverting to the loan's original rate.
The 3-2-1 buydown works like the previous two options, reducing the interest rate by 3% in the first year, 2% in the second year, and 1% in the third year.
Any of these will benefit your cash flow, especially if you'll need to purchase appliances and furniture for your new home.

Another option: permanent buydowns. These come in the form of discount points, which are up-front fees paid in exchange for a permanently lower interest rate. One point typically equals 1% of the loan amount. A discount point can represent a rate reduction of up to 0.25%, depending on the offer.

 Do the math! See what works best for you and your home buying situation.  The ideal plan is to save money and re-finance when rates are lower. 
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 Karen Martin Realtor 774-930-8181  More About Karen 
Safe Harbor Realty 1037 Main Rd. Wetstport, MA 02790
Helping Home buyers and Home sellers in MA and RI since 2003. 

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What our clients are saying  

Karen was fantastic. She did a great job staging, marketing, and photographing my house. It was so great I got a fantastic offer on my house. Highly recommend her. From Karen - Eddie received $45,000 over asking price for his home. He was thrilled!


~ Eddie Papa

Karen sold my mom's home in Dartmouth for me everything was up front and open she did all the foot work and paper work I had no time to do . She handled all of the details perfectly she called me at every turn to keep me in the loop she helped me make good decisions that needed to be made I was so satisfied with her professional and personal skills I recommended her to friends. Sousa Family Dartmouth Ma * update from Karen- I was able to help Sue sell her home in Dartmouth MA and move closer to her son and grandchildren.


~ Sousa Family

We have bought & sold quite a bit of properties over the last 35 years & have had the fortune of working with some very fine Real Estate agents. We had a property for sale that didn't sell last year and Karen contacted us, telling us she could sell our property. We lived out of state and hadn't done much work on it, other than repairs & maintenance. It was in need of extensive remodeling and the septic system needed to be replaced. Karen focused on the positives in her Marketing of the property and got quite amount of interest in the property. She was relentless & must have showed that property 2 dozen times until she found the perfect match for our property. It was by far the hardest sale of the year for her, but her determination paid off. Like we said in the beginning , we have worked with some very fine Real Estate agents over the years, but none as determined as Karen. If you want your property sold, Karen will sell it for you. We highly recommend her !!!! Gordon & Janice


~ Gordon & Janice

" Karen worked very hard for us, Selling our home in Freetown, then helping us find a new home in Westport, We want to thank her for everything she has done to make the transaction seem easy. We will be recommending her to our family & friends." -The Edwards Family, Westport, MA


~ Edwards Family

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