What Is a 1-0 Buydown and Why You’ll Love It

Interest rates too high for comfort? We hear that every day. That’s why our exclusive 1-0 Buydown program is a game changer — and something most lenders can’t offer.

💡 How it works:
A 1-0 buydown lowers your interest rate by 1% for the first year of your mortgage. After that, it adjusts to your permanent locked rate.

Example:

Locked rate: 6.5%

Year 1 rate: 5.5%

Monthly savings: ~$300/month on a $400k loan

This program is great for:
✅ First-time buyers
✅ Buyers expecting a raise
✅ Those who plan to refinance when rates fall
✅ Anyone who wants cushion in year one

And best of all — Wiser Lending is one of the few brokers offering this in 2025.

CTA: Want to lower your monthly payment for the first year? Ask us about the 1-0 buydown.