Buyers care about their monthly payment as much as the rate itself. Temporary Rate Buydowns lower that payment early on, which makes a home easier to afford right when it matters most. Through August, AD Mortgage is adding an extra 50 bps price incentive on eligible loans with temporary rate buydowns, so you have more room to put together a competitive purchase loan for your clients.
More buyers are choosing this option every year. Fannie Mae reports that 7.19% of loans in a recent reference pool had temporary rate buydowns, up from about 2% in 2023. Want to help your client benefit from this useful feature? We can support you.
How Temporary Rate Buydowns Can Benefit Your Client
Temporary Rate Buydowns help borrowers lower their initial monthly payments. Your clients can negotiate one of the available buydown options – 1-0, 2-1, and 3-2-1 – and achieve better pricing. With the additional 50 bps price incentive, the loan terms become even more attractive.
The offer is available on eligible primary and second home purchases with the following programs: 30-Year Fixed Super Prime, Prime, AD Power Jumbo and Fixed Conventional.
How to Apply the Improved Pricing
Improved pricing is available to Approved Partners in three steps:
- Log in to the AIM Partner Portal
- Select an eligible Buydown Plan in Products & Pricing
- Lock an eligible purchase loan by August 31, 2026, and the 50-bps pricing incentive will be applied automatically
Not a Partner yet? Fill out the Broker Package today:
FAQ: Temporary Rate Buydowns
What is the AD Mortgage Temporary Rate Buydown Enhancement Offer?
AD Mortgage provides an additional 50 bps on eligible purchase loans with temporary rate buydowns throughout August 2026.
What Loans are Eligible for a Temporary Rate Buydown Price Improvement?
Certain purchase Non-QM, Conventional, and AD Power Jumbo loans are eligible – find the list of eligible products and exclusions here. The offer is available across all business channels except Delegated.
Is the Temporary Rate Buydown Offer Limited in Time?
Yes. The additional 50 bps on eligible purchase loans with temporary rate buydowns is available through August 31, 2026. Lock an eligible loan in AIM by that date, and the pricing incentive will apply automatically.
