How to Get a 3.99% Mortgage Rate Right Now (Legally) | Buydowns 2026 [8X6VnPDTBZf]
How to Get a 3.99% Mortgage Rate in 2026 (Legally) | Mortgage Buydowns Explained Thinking mortgage rates are too high in 2026? Think again. In this video, mortgage expert Kevin Fagan explains how homebuyers can legally secure a 3.99% mortgage rate through strategic interest rate buydowns, potentially saving thousands of dollars during the first years of homeownership. What if you could lower your mortgage rate to 3.99% for the first year, 4.99% for the second year, and potentially save thousands of dollars without paying for the buydown yourself? 🏡 FREE First-Time Homebuyer Webinar Register here: In this video, mortgage expert Kevin Fagan explains how mortgage rate buydowns work, how seller concessions can often be used to pay for them, and why many homebuyers are using this strategy to dramatically reduce their monthly mortgage payments. Learn how 1-0, 2-1, and 3-2-1 mortgage buydowns work, how seller concessions can help cover the cost, and why this strategy can significantly reduce your monthly mortgage payments without increasing your upfront expenses. If you're a first-time homebuyer or planning to purchase a home in 2026, this may be one of the most valuable mortgage strategies you learn all year! 📅 Schedule Your Free 1 on 1 Homebuyer Strategy Call In this video you'll learn: ✔ What a mortgage rate buydown is ✔ The difference between a buydown and discount points ✔ How a 2-1 buydown can lower your rate from 5.99% to 3.99% ✔ Real examples showing monthly savings on a $300,000 home purchase ✔ How seller concessions can pay for your buydown ✔ First-time homebuyer negotiation strategies ✔ FHA and Conventional loan buydown options ✔ How to reduce your monthly mortgage payment ✔ How to lower your cash-to-close Example from this video: 💰 Save approximately $360/month during Year 1 💰 Save approximately $180/month during Year 2 💰 Potential savings of more than $6,500 during the first 24 months 🏡 FREE First-Time Homebuyer Webinar Register here: As a mortgage broker, I shop multiple lenders to help my clients find the best mortgage strategy for their goals. Whether your priority is lowering your monthly payment, reducing cash-to-close, or maximizing seller concessions, there may be options available that most buyers never hear about. I'm Kevin Fagan, The Mortgage Patriot. On your side. 📞 Text: (210) 317-6514 📧 Email: [email protected] 🌐 NMLS877741 LICE454749 #mortgagerates #mortgagebuydown #homebuying #firsttimehomebuyer #mortgagetips #fhaloan #conventionalloan #realestate #homeloan #mortgagebroker #sellerconcessions #housingmarket #interestrates #downpaymentassistance #texasrealestate #sanantonio #sanantoniotexas #satx #sanantoniorealestate #sanantoniohomes #sanantoniohomebuyers #texashomes #texasmortgage #texashomebuyer #texasrealestate #texasrealtor #texasmortgagebroker #hillcountryliving #springbranchtx #bulverdetx #newbraunfels #newbraunfelstx #cibolotx #schertztx #boernetx #seguintx #austinrealestate #houstonrealestate #dallasrealestate #homebuyingtips #homebuyereducation #homeownership #buyingahouse #househunting #mortgagehelp #mortgageeducation #mortgagelender #loanofficer #realestatetips #closingcosts #sellerconcessions #cash2close #ratebuydown #housingmarket2026 #newconstructionhomes #downpaymentassistance #fhahomeloan #conventionalmortgage #firsttimehomebuyertips #mortgagepatriot #kevinfagan #mortgagebuydown #ratebuydown #mortgagerates #lowermortgagerate #lowerinterestrate #lowermonthlypayment #saveonmortgage #mortgagesavings #sellerconcessions #sellerpaidbuydown #buydownprogram #temporarybuydown #mortgagetips #mortgageadvice #mortgageeducation #mortgagebroker #mortgagelender #loanofficer #firsttimehomebuyer #firsttimehomebuyerhelp #homebuyingtips #homebuyerprograms #homeownership #buyingahouse #closingcosts #cash2close #fhaloan #conventionalloan #housingmarket2026 #mortgagepatriot