Use seller or lender credits to reduce your payment for the first 24 months.
How it works
Credits fund a temporary rate reduction: Year 1 ≈ 2% lower; Year 2 ≈ 1% lower; then back to note rate. It can help you qualify and ease into ownership.
Example: If today’s note rate is 6.75% on $300,000… Year 1 ≈ 4.75%; Year 2 ≈ 5.75%. We’ll show exact numbers from Motto.