SmartStart Buydown™

Eliminate take rate apprehension from the home buying process with the Qual-Cap SmartStart Buydown. Eligible homebuyers can benefit from a 1% temporary interest rate buydown during the first year, effectively lowering monthly payments during this cash-intensive phase of homeownership.

Benefits

✔ Lower first-year monthly payments

✔ First-year rates in the 4's on eligible loans

✔ Thousands in potential payment savings through the mortgage buydown

✔ Significant savings on closing costs

✔ Increased financial flexibility as you move in

✔ Covered by Qual-Cap

How It Works

With the SmartStart Buydown, your mortgage interest rate is reduced by 1% for the initial year. For instance:

Note Rate: 5.75%  

First-Year Rate: 4.75%

This leads to a lower monthly payment precisely when you need it. 

Ready to Learn More?

Explore the rates and visit the Qual-Cap Calculator Lab to run the numbers, or reach out to Qual-Cap for assistance in calculating your options.

Visit the Qual-Cap Calculator Lab here.

Check today's rates here.  

If you want us to run the numbers for you, click here.

Important Program Information

The SmartStart Buydown is available for eligible conforming and government loan programs in purchase transactions. Borrowers must lock their interest rate on or before August 31, 2026. Program availability, rates, terms, and eligibility requirements may change without notice. Not all borrowers will qualify, and restrictions may apply. This information does not constitute a commitment to lend. All loans are subject to credit approval, underwriting guidelines, and program requirements.