Uploaded May 2026 | Updated September 2026, 8 hours ago
gibsonhomeloans.com/uwm-1-0-buydown-year-one-savings
UWM just rolled out their "Free" 1-0 Temporary Buydown — and on a $600,000 loan, it drops a buyer's first-year payment by about $280/month, or roughly $3,400 over the first 12 months. It's lender-paid, so the buyer pays nothing out of pocket for the buydown itself.
But "free" isn't quite accurate. Here's why — and when the math actually works in your client's favor.
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📊 THE NUMBERS
- Year 1 savings: ~$280/month on a $600K loan = ~$3,400 total
- Year 2-30: full note rate kicks in
- Trade-off: same rate sheet has a slightly lower permanent rate available without the buydown
- Break-even point: ~3 years 7 months
- If you refinance or sell before then → buydown wins
- If you hold longer → the lower permanent rate wins
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📈 WHY A REFI INSIDE 3.5 YEARS IS LIKELY
The 10-year Treasury just bounced from a late-February low of 3.97% back up to 4.46% — that's almost half a percentage point of upward move in about ten weeks. Plenty of room to fall back. Most major forecasters expect rates to drift lower through late 2026 and into 2027.
Combine that with the fact that the average U.S. mortgage only lives 5-7 years (refinances + home sales), and a refi window opening inside 3.5 years is more likely than not.
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👋 ABOUT CHRISTOPHER GIBSON
Mortgage Loan Officer at C2 Financial Corporation
NMLS #1910430 | C2 NMLS #135622
Licensed in Colorado, Washington, Texas, Florida, and Michigan
I work with real estate professionals, financial advisors, CPAs, and estate planning attorneys to help their clients navigate complex mortgage scenarios — purchase, refinance, reverse, jumbo, self-employed, and everything in between.
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🔗 CONNECT
Website: gibsonhomeloans.com
Contact: gibsonhomeloans.com/contact
Email: c@chrisraygibson.com
Phone: (206) 890-6132 or (720) 394-8861
LinkedIn: linkedin.com/in/chrisraygibson
Facebook: facebook.com/chrisraygibson
Instagram: instagram.com/chrisraygibson
⭐ Read client reviews:
Google: maps.app.goo.gl/RQq7wCkZAJzsaHPD7
Mortgage Matchup: mortgagematchup.com/Profile/ChrisRayGibson
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⚠️ DISCLOSURE
The information shared in this video is for educational purposes only and does not constitute a loan offer, commitment to lend, or financial advice. Rates and products discussed are subject to change without notice. All loans subject to underwriting approval. Not all borrowers will qualify.
C2 Financial Corporation | NMLS #135622 | Equal Housing Opportunity
#UWMBuydown #MortgageRates #HomeBuying #RealEstate #MortgageBroker
gibsonhomeloans.com/uwm-1-0-buydown-year-one-savings
UWM just rolled out their "Free" 1-0 Temporary Buydown — and on a $600,000 loan, it drops a buyer's first-year payment by about $280/month, or roughly $3,400 over the first 12 months. It's lender-paid, so the buyer pays nothing out of pocket for the buydown itself.
But "free" isn't quite accurate. Here's why — and when the math actually works in your client's favor.
═══════════════════════════════════════════════
📊 THE NUMBERS
- Year 1 savings: ~$280/month on a $600K loan = ~$3,400 total
- Year 2-30: full note rate kicks in
- Trade-off: same rate sheet has a slightly lower permanent rate available without the buydown
- Break-even point: ~3 years 7 months
- If you refinance or sell before then → buydown wins
- If you hold longer → the lower permanent rate wins
═══════════════════════════════════════════════
📈 WHY A REFI INSIDE 3.5 YEARS IS LIKELY
The 10-year Treasury just bounced from a late-February low of 3.97% back up to 4.46% — that's almost half a percentage point of upward move in about ten weeks. Plenty of room to fall back. Most major forecasters expect rates to drift lower through late 2026 and into 2027.
Combine that with the fact that the average U.S. mortgage only lives 5-7 years (refinances + home sales), and a refi window opening inside 3.5 years is more likely than not.
═══════════════════════════════════════════════
👋 ABOUT CHRISTOPHER GIBSON
Mortgage Loan Officer at C2 Financial Corporation
NMLS #1910430 | C2 NMLS #135622
Licensed in Colorado, Washington, Texas, Florida, and Michigan
I work with real estate professionals, financial advisors, CPAs, and estate planning attorneys to help their clients navigate complex mortgage scenarios — purchase, refinance, reverse, jumbo, self-employed, and everything in between.
═══════════════════════════════════════════════
🔗 CONNECT
Website: gibsonhomeloans.com
Contact: gibsonhomeloans.com/contact
Email: c@chrisraygibson.com
Phone: (206) 890-6132 or (720) 394-8861
LinkedIn: linkedin.com/in/chrisraygibson
Facebook: facebook.com/chrisraygibson
Instagram: instagram.com/chrisraygibson
⭐ Read client reviews:
Google: maps.app.goo.gl/RQq7wCkZAJzsaHPD7
Mortgage Matchup: mortgagematchup.com/Profile/ChrisRayGibson
═══════════════════════════════════════════════
⚠️ DISCLOSURE
The information shared in this video is for educational purposes only and does not constitute a loan offer, commitment to lend, or financial advice. Rates and products discussed are subject to change without notice. All loans subject to underwriting approval. Not all borrowers will qualify.
C2 Financial Corporation | NMLS #135622 | Equal Housing Opportunity
#UWMBuydown #MortgageRates #HomeBuying #RealEstate #MortgageBroker
