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Get a 1% lower
‍mortgage rate for your 1st year

How about starting off your mortgage with a 1% lower interest rate? Sounds good... Okay, let's chat.

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How it works

Make that rate 1% lower please💭

With a temporary 1-0 buydown, your interest rate is 1% lower than what your contract rate would be for the rest of the loan for the first year. Here's what that looks like for a 30-year fixed with a $400,000 loan amount at a contract rate of 7% interest.

Year 1: 6% Interest Rate / $2,398.21 Monthly Payment / $263 Monthly Savings / $3,156 Annual Savings

Years 2-30: 7% Interest Rate / $2661.21 Monthly Payment

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Frequently asked questions

How does a 1-0 buydown work?

You'll be given a 1% lower interest rate for the first year of your mortgage. That's a big difference in the monthly payment. Click here to speak to me about how this can help you.

Can you do this on a refinance?

Yes, this is possible on a rate and term refinance. Let's chat.

Do I have to pay for the 1-0 buydown?

There is a fee, but I can cover that with a lender credit. You're welcome. 😉

How do I arrange a phone call?

It's as easy as clicking right here and you can set some time up in the calendar.

I already have a lender, can I work with you?

Yes, I can review what you're currently receiving and give you the option to switch over to our programs.

Do you help first-time homebuyers?

Yes I do, i'll guide you through the process.

Ready to get a better deal on your mortgage?

Click below and let's jump on a consultation call.

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West Capital Lending is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate based on race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract) because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act.

Information accurate as of 02/19/2024. Not all programs are available in all areas. Not all borrowers will qualify for all programs. Program restrictions apply. Please contact West Capital Lending, 24 Executive Park, Suite 250 Irvine, CA 92614 to determine eligibility. This is not an offer or extension of credit or a commitment to lend. All loan programs are subject to the specific lender’s underwriting guidelines and available loan products. Approvals may be subject to appraisals and other documentation requirements. Interest rates, loan programs, available loan terms, and other information on this website are subject to change without notice. The Loan Originator named in this advertisement is licensed in the following states only: AZ, FL, OR, WA. The information on this site is not intended for consumers of any other state to determine broker or loan origination eligibility please visit: NMLS Consumer Access.  

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.

Ashley McPoland NMLS #1555542
West Capital Lending, Inc. NMLS #1566096/Cal. DRE #02022356 24 Executive Park, Suite 250 Irvine, CA 92614