If you’re buying a home in 2026, there’s a mortgage strategy that can lower your monthly payment by hundreds of dollars—but the most popular option isn’t always the smartest one long-term.

In this episode, Chris Cusimano breaks down the 3-2-1 temporary rate buydown versus the permanent rate buydown, using real numbers and real buyer scenarios. You’ll learn why the option that feels less exciting upfront can actually save more money over time, and how smart buyers are structuring offers to get sellers to pay for it.

This isn’t about timing the market or guessing where interest rates are headed. It’s about understanding how mortgages really work, how interest is front-loaded, and why offer structure matters more than purchase price in 2026.

If you’re a home buyer, seller, or investor who wants to make financially smarter decisions—and avoid costly mistakes—this episode will change how you look at mortgage negotiations.

🎧 Topics covered:
• 3-2-1 temporary rate buydown explained
• Permanent rate buydown explained
• Real payment and interest comparisons
• Why long-term savings beat short-term relief
• How to negotiate seller-paid rate buydowns
• Smart offer strategies for 2026 buyers

📍 Buying or selling in Southeast Florida? Reach out to plan the right strategy for your situation.

Permanent Rate Buydown vs 3-2-1…

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