SmartStart Buydown™
Get a First-Year Rate in the 4's
Take rate apprehension out of the home buying equation with the Qual-Cap SmartStart Buydown.
Eligible homebuyers receive a 1% temporary interest rate buydown for the first year, helping lower monthly payments during the most cash-intensive period of homeownership.
Benefits
✔ Lower first-year monthly payments
✔ First-year rates in the 4's on eligible loans
✔ Thousands in potential payment savings
✔ Thousands saved in closing costs
✔ More financial flexibility during move-in
✔ Paid for by Qual-Cap
How It Works
With the SmartStart Buydown, your interest rate is reduced by 1% during the first year of your mortgage.
For example:
- Note Rate: 5.75%
- First-Year Rate: 4.75%
The result is a lower monthly payment when you need it most.
Ready to Learn More?
Check the rates and hit the Qual-Cap Calculator Lab to run the numbers or contact Qual-Cap and we'll run the numbers for you.
Visit the Qual-Cap Calculator Lab here.
Check today's rates here.
Want us to run the numbers for you, click here.
Important Program Information
SmartStart Buydown is available on eligible conforming and government loan programs for purchase transactions. Borrowers must lock their interest rate on or before July 31, 2026. Program availability, rates, terms, and eligibility requirements are subject to change without notice. Not all borrowers will qualify. Restrictions may apply. This is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines, and program requirements.
