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Lock in a Low Rate with Our 3/2/1 Buy Down


We're offering an exclusive money-saving opportunity! With our 3/2/1 rate buy-down, you can secure your home at a lower interest rate for the entire term of your mortgage loan.

Here's How it Works:

  • 12-month 2.699% Intro Rate*
  • 13-24 month Rate: 3.699%
  • 24-36 month Rate: 4.699%
  • Remaining Loan Term: 5.699% Rate

By contributing a one-time fee upfront, Holt can dramatically "buy down" your rate for the first three years. After that, you still enjoy an incredible below-market rate for the life of the loan.

Get Started Today & Secure Your Low Rate!
*FHA Disclaimer: Property Example:  Laurel Woods Lot 650 - Example assumes 3.5% Down Payment at a price of $499,960 and 740 qualifying credit score.  FHA Rates as low as 5.699% 30 Year Fixed Rate, APR 5.889% and includes a 3/2/1 temporary rate buydown starting as low as 2.699%, APR 5.889%, funded by the seller at closing and/or additional incentives. Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan. Interest rates and program terms are as of 06/27/2024 and are subject to change without notice.  Information, rates and pricing are subject to change without prior notice at the sole discretion of Borrow Smart Mortgage, Inc. All loan programs subject to borrowers meeting specific underwriting conditions. This is not a commitment to lend. Other restrictions apply. The information included in this communication is considered confidential and proprietary, and any unauthorized reproduction is prohibited.  Borrow Smart Mortgage, Inc. is an Equal Housing Lender.  NMLS ID: 2428874