New Rate: Lower Payments With 2/1 Buydown

For a limited time, secure a 2/1 buydown with first-year rates as low as 2.875%* / 4.9249% APR* on a 30-year fixed conventional loan through M/I Financial, LLC. Learn more about how you can increase your home buying power and decrease your rate for the first two years 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 you a program that dramatically lowers your payments for the first two years of your mortgage, putting a great new home within your reach. 

Our 2/1 buydown on a 30-year fixed-rate conventional loan helps make it easier to buy a home today, rather than waiting for interest rates to drop.

• Year 1: 2.875% Rate* / 4.9249% APR*
• Year 2: 3.875% Rate* / 4.9249% APR*
• Years 3-30: 4.875% Rate* / 4.9249% APR*

*The interest rate of 4.875% is based on a 30-year fixed-rate conventional loan with a 2/1 buydown and a 20% down payment. The sales price is $500,000 with a loan amount of $400,000. 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 4.9249%. A minimum credit score of 720 is required. Program is available on select homes only and applies to new contracts written on or after October 30, 2025. 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 December 18, 2025. Other financing options may be available with as little as 5% 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).