Owning a home at Yellowstone just got easier, thanks to a game-changing offer from Ameris Bank! Their 3-2-1 Buydown Program helps slash mortgage costs in those crucial early years. Picture settling into your new place without sky-high payments hanging over you. This exclusive deal for Yellowstone buyers might be the break you’ve been waiting for.

What is a 3-2-1 Buydown?

A 3-2-1 buydown lowers your mortgage interest rate upfront, gradually stepping up over three years. Here’s how the Ameris Bank program at Yellowstone works:

• Year 1: Your rate drops 3% below the locked-in fixed rate.
• Year 2: It bumps up but stays 2% lower than your fixed rate.
• Year 3: The discount shrinks to 1% below your set rate.
• Year 4 and beyond: Your rate settles at the original, locked-in fixed rate for the rest of the mortgage.

This setup slashes costs in the early years—when moving, furnishing, and settling in can stretch your wallet.

Advantages of the 3-2-1 Buydown

This program delivers strong benefits for homebuyers:

• Lower early mortgage payments: The biggest perk. A reduced interest rate for three years means smaller monthly payments upfront, leaving extra cash for other needs.
• Higher affordability: With lower payments early on, you might qualify for a bigger loan and afford a home that was previously out of reach.
• More financial breathing room: The savings in the first few years can go toward furniture, renovations, or padding your emergency fund.
• Gradual payment increase: Instead of a sudden jump, payments rise in steps over three years, making the adjustment smoother.
• Broad loan compatibility: Works with Conventional, FHA, and VA loans, so more buyers can take advantage.

The 3-2-1 buydown at Yellowstone makes stepping into homeownership easier with lower payments and extra financial flexibility in those first critical years.

Comparison: 3-2-1 vs. 2-1 Buydown

The 3-2-1 buydown slashes payments the most in the early years, but Ameris Bank also offers a 2-1 buydown at Yellowstone. Here’s a quick breakdown to help you decide:

Which fits you best?

Go for the 3-2-1 buydown if you want the biggest savings upfront and could use extra breathing room in the first three years.

Pick the 2-1 buydown if you prefer smaller initial reductions and a quicker return to your fixed rate.

The right choice hinges on your budget, long-term plans, and how comfortable you are with shifting payments.

Final Words

The 3-2-1 Buydown Program at Yellowstone by SR Homes offers a smart way to step into homeownership. It starts with lower mortgage payments, giving you breathing room upfront. More buying power means you can afford a home that fits your needs. Over time, the interest rate adjusts, letting you ease into the long-term cost with confidence.