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Short on Cash? Get a Mortgage with a Buy Down

by Syd Johnson

A buy down is an alternative financing technique where you make significantly lower payments for the first few years of the loan, and make up the difference with larger payments in the later years of the loan. The initial payments might be interest only or less than interest payments, so you can expect to pay a much larger monthly fee when you actually start working on the principal.

Loan structure
If you get a temporary buy down, the seller might provide the loan with a very low interest rate and no up front fees or points. This will make your loan package extremely cheap. Your monthly payment will be significantly smaller than the actual amount required to pay off the monthly interest and decrease the loan principal.

Then according to the contract the interest rate is increase by a small percentage each year, until your payments level off and cover both monthly interest payments and a reduction in the principal.

By the time the loan is actually paid off, you will have a very large monthly bill because all of the fees and points that you didn’t pay up front were rolled over into the loan. You didn’t skip anything you just decided to pay it all later.

Who gets buy downs?
Buys downs are perfect for the upwardly mobile. That is singles or couples who are purchasing their first home, but expect a rapid or substantial increase in their income within a couple of years.

Unlike a fixed rate mortgage your payments will be steadily increasing over the years. In addition, unlike an adjustable rate mortgage, you will find yourself paying way over market rate for the last few years of the loan.

These types of loans are usually setup as 15-year of 30-year deals. The big advantage of course is that you can get a lot of house for very little money up front. However, the seller or lender will reap a much higher rate of return on your loan than he or she should get on a fixed rate or regular adjustable rate mortgage.

It’s a great deal in the beginning, but make sure you will have the income later on to cover the large payments plus your other household expenses.

About the Author

This article may be freely distributed as long as there's an active link to http://www.rapidlingo.com
Syd Johnson
Editor



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Dexia, UBS Lead Gains After Fannie, Freddie Takeover (Update1) - Bloomberg
8 Sep 2008 at 3:14am

ABC News

Dexia, UBS Lead Gains After Fannie, Freddie Takeover (Update1)
Bloomberg - 4 hours ago
The US government said yesterday it will take control of Fannie Mae and Freddie Mac after the biggest ...



BIS-US mortgage moves could lead to moral hazard-Poland - Reuters
8 Sep 2008 at 1:14am

CEP News

BIS-US mortgage moves could lead to moral hazard-Poland
Reuters - 6 hours ago
BASEL, Sept 8 (Reuters) - US moves to take control of mortgage firms Fannie Mae and Freddie Mac could lead to m...



Financials lead surge in world markets after US mortgage move - Earthtimes (p...
8 Sep 2008 at 7:29am

TopNews

Financials lead surge in world markets after US mortgage move
Earthtimes (press release), UK - 30 minutes ago
London - Financial stocks led a rally on almost all world stock markets Mon...



ForeclosureS.com Reports More Than 100000 Homeowners Lost Homes in ... - Mark...
8 Sep 2008 at 4:05am

CNBC

ForeclosureS.com Reports More Than 100000 Homeowners Lost Homes in ...
MarketWatch - 3 hours ago
Even the Mortgage Bankers Association, which last week announced more record mortgage delinquenc...



WaMu Placed On Probation As It Ousts CEO Killinger - CNNMoney.com
8 Sep 2008 at 6:22am

Wall Street Journal

WaMu Placed On Probation As It Ousts CEO Killinger
CNNMoney.com - 1 hour ago
Alan Fishman , currently chairman of New York commercial mortgage broker Meridian Capital Group, will...



Banks lead HK shares to biggest gain in 6 months - Reuters
8 Sep 2008 at 2:40am

Boston Globe

Banks lead HK shares to biggest gain in 6 months
Reuters - 5 hours ago
But investors were concerned about the mark-to-market losses in debt and MBS," or mortgage-backed securities...



Fannie-Freddie bailout "doesn't change anything" for housing ma...
7 Sep 2008 at 10:18pm

St. Louis Post-Dispatch

Fannie-Freddie bailout "doesn't change anything" for housing market
Los Angeles Times, CA - 9 hours ago
It probably won't hurt; it could lead to slight...



Fannie/Freddie Lead Parade Of Asian Financials - Forbes
8 Sep 2008 at 5:01am

StarPhoenix

Fannie/Freddie Lead Parade Of Asian Financials
Forbes, NY - 2 hours ago
Asian markets, outside of mainland China, responded with alacrity to Sunday's news of a US Treasury bailo...




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