*Rate available as of 9/16/2025. Stated rate may change or may not be available at time of rate lock. If you bought a $400,000 home with a down payment of 3.5%, for a loan amount of $392,755 (includes upfront mortgage insurance premium), on a 30 year loan at a fixed rate of 4.99% (5.766% Annual Percentage Rate) with a 2-1 buydown you would make 12 monthly payments of $1,564, 12 monthly payments of $1,873 & 336 monthly payments of $2,106.00. Payment stated does not include taxes, homeowners insurance, and mortgage insurance which will result in a higher payment.