Current Mortgage Specials for Homebuyers
Take advantage of a temporary 1-0 buydown for qualified homebuyers in Texas, Florida, Minnesota, and Colorado. Terms and eligibility may vary.
How our temporary 1-0 buydown mortgage special works
Participating lenders are covering the upfront buydown costs so you can ease into your new payment while rates remain elevated. For the first 12 months, your interest rate is effectively reduced by 1%, lowering your monthly payment while you get settled into your new home. Starting month 13, the rate returns to the note rate for the remainder of the loan. Want to model the math on your specific loan amount? Try our 3-2-1 Buydown Calculator.
The two options, side by side.
In a 1-0 buydown, the rate drops by a full 1% for the first 12 months, then resumes at the note rate from month 13. The hypothetical example below illustrates how this might work for a sample $625,000 loan, comparing the temporary 1-0 buydown to a potential non-participating lender with a 0.25% better standard base rate available.
*APR is estimated based on the total fees entered and may not reflect the actual APR at closing. These figures are for illustration purposes only. They are based on a hypothetical $625,000 loan and may not reflect final loan terms or payment amounts. Actual rates, APRs, payments, and savings depend on your credit profile, loan amount, property, and current market conditions. This is not a loan offer or commitment to lend.
Simulated savings.
Here is what the numbers might look like at each stage of the plan, using the same hypothetical $625,000 loan.
These figures are for illustration purposes only. They are based on a hypothetical $625,000 loan and may not reflect final loan terms or payment amounts. Actual rates, APRs, payments, savings, and break-even timing depend on your credit profile, loan amount, property, and current market conditions. This is not a loan offer or commitment to lend. Run your own numbers in our 3-2-1 Buydown Calculator.
Why you still win.
A 1-0 buydown is a structured plan: lower payments early, with the goal of refinancing into an even better long-term rate as soon as the market gives us the window. The points below reference the same hypothetical example shown earlier.
Tomorrow's rate, today.
In the example, the loan starts at 5.000% in Year 1, with a break-even point at month 47. The goal is a no-cost refinance any time before that point. Whenever rates give us the right shot, the structure is already set up to act on it.
A head start on a future refi.
The average loan refinances or pays off in roughly 3 years. In the example, refinancing inside Year 1 means banking $3,506 in savings and exiting the 6.000% Year 2+ rate before it costs you anything.
Even keel through month 47.
In the example, the buydown's blended cost matches the standard 5.750% path through month 47. Sell, refinance, or stay put within that window and the example's borrower is not behind on total cost.
The honest flip side.
If rates do not drop and the loan is held the full 30 years, the buydown costs slightly more over the life because Year 2+ runs at 6.000% versus the 5.750% standard path used in the example. The average loan only lasts about 3 years before refinance or payoff, so this scenario is rare in practice.
The points above reference a hypothetical $625,000 loan example for illustration purposes only. Rates, dollar amounts, and break-even timing shown are estimates and may not reflect final loan terms or payment amounts. Actual rates, APRs, payments, and savings depend on your credit profile, loan amount, property, and current market conditions. This is not a loan offer or commitment to lend.
Mortgage specials in Texas, Florida, Minnesota, and Colorado.
The current mortgage special is available to qualified borrowers in all four states where we are licensed. Each state block below covers how the special applies locally.
Texas Mortgage Specials
Our current mortgage specials are available to eligible homebuyers across Texas, including a temporary 1-0 buydown that can lower your first-year payments on a purchase or refinance. Whether you are buying in Austin, DFW, Houston, or another Texas market, we can walk you through how this special works with your specific price range and loan scenario.
Learn more about Texas mortgages →Florida Mortgage Specials
Florida homebuyers can access the same limited-time mortgage specials, including our temporary 1-0 buydown program. If you are purchasing or refinancing in major Florida markets, we will help you compare your standard options with this special to see whether the buydown structure makes sense for your timeline and budget.
Learn more about Florida mortgages →Minnesota Mortgage Specials
In Minnesota, our mortgage specials give qualified borrowers an option to ease into their payments with a temporary 1-0 buydown on select loan programs. We will review your goals, local property taxes, and price point to show you how this special affects your monthly payment in the first year versus a standard fixed-rate loan.
Learn more about Minnesota mortgages →Colorado Mortgage Specials
Colorado buyers and homeowners can also take advantage of our current mortgage specials, including a temporary 1-0 buydown that reduces the interest rate for the first year of the loan. From Denver to growing front-range communities, we can illustrate how this special impacts your payment so you can decide whether it is the right structure for your Colorado home.
Learn more about Colorado mortgages →Two ways to think about it.
You plan to stay long-term and want one locked rate for all 30 years. Predictable, simple, no tradeoff.
You want lower payments in Year 1 and expect to refi in the next 1 to 3 years. We will reach out and handle the refi when rates give us the window, so you can optimize your savings.
Refinance: Replace your current mortgage with a new one at better terms, usually a lower rate. You keep the house; the old loan gets paid off with the new one.
Note rate: The interest rate written on your loan (here, 6.000% on the buydown).
Blended break-even (47 months): Average your Year 1 (bought-down) and Year 2+ (note rate) payments together and the running total matches the standard 5.750% path through month 47. Refi or sell anytime before then and the buydown was a pure win.
P&I: Principal and Interest, the core part of your monthly payment. Does not include taxes, insurance, or HOA.
See if this mortgage special fits your plan
Tell us your state and a few details. We will review whether the current mortgage special could fit your scenario.
Promotion eligibility: the 1-0 buydown is available on new rate locks for Conventional Conforming, FHA, VA, and ARM loans between May 6 and June 30, 2026. Terms and pricing may change without notice. All loans subject to credit approval, underwriting guidelines, and acceptable property appraisal. Equal Housing Opportunity. Dylken Home Loans, NMLS #2673152. Licensed in Texas, Florida, Minnesota, and Colorado.
See your actual numbers.
Every borrower's situation is different. We will walk you through what your payment, savings, and break-even would actually look like, with no obligation.