For homebuyers
Build your dream home. Get a head start.
With an eligible EZBUILD loan, enjoy an included 1-0 temporary buydown designed to make your first 12 monthly mortgage payments more manageable.
The 1-0 buydown, simply
What if your first year cost less?
Your loan has one permanent note rate that never changes. For the first 12 months, your payment is calculated as if the rate were one point lower — a buydown subsidy covers the difference. From month 13, you pay the regular amount.
Year 1 · Months 1–12
Note rate − 1%
e.g. 6.50% note rate → payment calculated at 5.50%
Year 2 onward · Month 13+
Full note rate
e.g. payment calculated at the 6.50% note rate
Illustrative rates only — not a rate quote. You must still qualify under normal underwriting; the reduced payment does not change qualification standards.
Mortgage calculator
Your first-year advantage, in real numbers.
Real amortization math — no hardcoded savings.
Your inputs
Estimated first-year advantage
$3,818
Total principal & interest difference over the first 12 payments
- Estimated loan amount
- $495,000
- Monthly P&I at note rate
- $3,128.74
- Year-one monthly P&I with buydown
- $2,810.56
- First-year monthly difference
- $318.18
- Est. total payment, year one (incl. taxes & ins.)
- $3,460.56
- Est. total payment from month 13
- $3,778.74
How this is calculated: P&I uses the standard amortization formula M = L·r / (1 − (1+r)−n). The loan always amortizes at the note rate you enter; for the first 12 months your payment is calculated at one percentage point below it and the difference is covered by a buydown subsidy. Taxes and insurance are estimates and are not reduced by the buydown. Rates shown are inputs, not offers. Estimates only — not a loan approval or commitment. Borrowers must qualify at the applicable underwriting standard, not the reduced payment. Availability pending lender confirmation.
Homebuyer benefits
More home. Less first-year stress.
Lower first-year payment
For eligible borrowers, year-one P&I is calculated one point below the note rate.
Early cash-flow flexibility
Breathing room for furniture, landscaping and move-in costs in year one.
A coordinated process
One loan and one closing covering land, construction and your final mortgage.
Built for new construction
Financing designed specifically around eligible new-construction projects.
Pending approvalBuydown funding source, eligibility and loan limits must be confirmed by the lender before launch.
Start your build
Let's build your dream home.
Tell us where you are in the journey. No credit check to get started.