3-2-1 Buydown vs Permanent Rate Reduction: Which Saves More Over the Life of Your Loan?
A permanent 1-point rate cut saves roughly $57,000 more than a 3-2-1 buydown over 30 years on a $400,000 mortgage—but the buydown wins on short-term cash flow.
Marcus Delgado
Marcus Delgado is a certified mortgage advisor and personal finance journalist with 15 years of experience tracking interest rate trends and housing market dynamics across the United States. He spent nearly a decade as a loan officer before transitioning to financial writing, giving him a ground-level perspective on how rate shifts impact real borrowers. Marcus covers mortgage rates and interest rate analysis for CapitalLendingNews with a focus on clarity and practical guidance.
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How Airbnb Hosts Are Qualifying for Lower Mortgage Rates Using Rental Income
Fannie Mae lets lenders count 75% of short-term rental income toward DTI — enough to drop some Airbnb hosts into a rate tier 0.25%–0.50% lower than a standard application.