NON-QM BUYDOWN PROGRAM
Helps eligible homebuyers lower their monthly mortgage payments for the first one or two years with 2-1 and 1-0 buydown options, before moving to the regular payment.
Program Overview
The Non-QM Buydown Program offers temporary 2-1 and 1-0 buydowns on 30-year fixed-rate purchase loans. Buydowns may be seller- or builder-funded, and borrowers must qualify at the full note rate. Available for primary residences and second homes.
Program Features
Full Doc and Alt Doc income options
Seller- or builder-funded buydowns
Eligible 2–4 unit properties, PUDs and condos
Available on qualifying TRID loans
Standard interested-party contribution limits apply
Why Choose This Program?
Lower payments in the early years of the loan
2-1 or 1-0 structure to fit the scenario
Seller or builder can fund the buydown
Full Doc and Alt Doc income options
Primary residences and second homes eligible
*All features are subject to investor guidelines and underwriting approval.
Who This Program Is Great For?
Homebuyers who want lower payments in years 1–2
Buyers purchasing new construction with builder incentives
Purchases where the seller is offering concessions
Full Doc or Alt Doc borrowers
Buyers of primary residences or second homes
Buyers of 2–4 unit properties, PUDs or condos
Download Loan Program
Preview the Non-QM Buydown Program sheet and download the full program details, including buydown options, eligible occupancy, property types and documentation.
Co-Brand Loan Program
Access the co-branded Non-QM Buydown Program marketing material to share with your clients and partners.
Need Help Structuring a Non-QM Buydown Loan?
Connect with a loan officer to review the purchase scenario, buydown funding, and whether the Non-QM Buydown Program is the right fit.
Connect To A Loan OfficerThis material is for informational purposes only and does not constitute a commitment or guarantee to lend. Non-QM temporary buydowns are available on eligible purchase transactions and TRID loans only. Seller- or builder-funded buydowns are subject to applicable interested-party contribution limits. Not available on DSCR loans. Borrowers must qualify based on the full note rate. Rates, terms, eligibility, property restrictions, and program availability are subject to investor guidelines, change without notice, and underwriting approval. Not all borrowers will qualify. Tag Lending Group, LLC | NMLS #2329372 | Equal Housing Opportunity.