Move In Now, Pay Less

For a limited time, secure a 2/1 buydown with first-year rates as low as 2.875%* / 5.2937% APR* on a 30-year fixed conventional loan through M/I Financial, LLC. Learn more about how you can increase your home buying power today!

More Details:

Thinking about buying a new home but worried about high interest rates? Then we have great news!

M/I Financial now offers a program that make it easier to buy a home today, rather than waiting for interest rates to drop.

Buy Down Your Rate

Our 2/1 buydown on a 30-year fixed-rate conventional loan dramatically lowers your payments for the first two years of your mortgage, putting a great new home within your reach.

• Year 1: 2.875% Rate* / 5.2937% APR*
• Year 2: 3.875% Rate* / 5.2937% APR*
• Years 3-30: 4.875% Rate* / 5.2937% APR*

*The interest rate of 4.875% is based on a 30-year fixed-rate conventional loan with a 2/1 buydown and a 5% down payment. The sales price is $500,000 with a loan amount of $475,000, private mortgage insurance will be required and is included in the APR. The 4.875% interest rate is temporarily reduced in year 1 to 2.875%, year 2 to 3.875% and will be 4.875% in years 3-30. The ANNUAL PERCENTAGE RATE is 5.2937%. A minimum credit score of 720 is required. Program is available on select homes only and applies to new contracts written on or after March 6, 2026. Promotion does not apply to cancellations, re-writes, or transfers. The seller’s contribution is limited to agency limits, which depend on the loan program and LTV. Buyer must occupy the property as their primary residence and meet all qualification requirements of the program. The buyer must make a loan application within 48 hours of contract signing and must close by April 30, 2026. Other financing options may be available with as little as 0% down. Rate is subject to change without notice and is not guaranteed until locked with M/I Financial, LLC. Conforming Conventional loan limits apply. Financing is offered through M/I Financial, LLC (NMLS# 50684). Restrictions do apply. Illinois Residential Mortgage License Nationwide Multistate Licensing System and Registry’s Consumer Access website (https://nmlsconsumeraccess.org).