Save Big in Your First Year! (Exclusive for Passport Unlimited Clients)

Introducing Our 1% Lender-Paid Temporary Buydown Program

Saffron Premier Mortgage is excited to offer a powerful new financing tool designed to give our Passport Unlimited clients an edge in today’s market: the 1% Lender-Paid Temporary Buydown Program.

This program gives buyers a 1% lower interest rate for the first year of their mortgage — with no upfront cost to the borrower. This program is fully paid for by Saffron Premier Mortgage, there are no seller credits, buyer agent commissions, or points required. 

It's an ideal alternative to paying discount points and a great option for buyers who want to ease into their mortgage payments while waiting for rates to drop.

📉 How It Works

• You receive a 1% lower interest rate for the first 12 months of your loan.
• Your rate then adjusts to the fixed market rate for the remaining term — but never goes higher than your original locked rate.
• The lender covers the cost of the buydown — you pay nothing upfront.

This is not an adjustable-rate mortgage. After the first year, your rate locks in for the remaining term, giving you long-term stability and peace of mind.

💡 Real Savings Example: $800,000 Loan @ 7.00%

Program	Interest Rate	Monthly Payment	Total Year 1 Payments
Standard 30-Year Fixed	7.00%	$5,322.42	$63,869.04
With 1% Buydown	6.00% (Year 1)	$4,796.40	$57,556.85

🎯That’s a monthly savings of $526.02, and over the first year, you save $6,312 — all without paying points or extra fees.

🏡 Why This Program Makes Sense

• No Upfront Cost: The buydown is fully paid by the lender.
• Fixed Rate Stability: After year one, your rate is fixed — no surprises.
• Better Than an ARM: Unlike adjustable-rate mortgages, your interest rate won’t climb after the first year.
• Flexibility to Refinance: If rates drop in the future, you can refinance into a lower rate with no penalty. See the details of our No Cost Refinance Program.

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📲 Get Started Today

This limited-time program is perfect for buyers who want the flexibility of a lower payment now and the confidence of a fixed rate later.