Lower Payments With 2/1 Buydown

Increase your home buying power and decrease your rate for the first two years of your mortgage with M/I Financial, LLC. With our 2/1 buydown, receive first-year rates as low as 2.875%* / 5.628% APR* on a 30-year fixed-rate FHA loan. Learn more about our 2/1 buydown offer on new homes that can close by November 28, 2025.

First Year Rates: 2.875% Rate* / 5.628% APR*

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 to dramatically lower your payment 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 FHA loan on select Quick Move-In homes helps make it easier to buy a home today, rather than waiting for interest rates to drop.* 

• Year 1: 2.875% Rate* / 5.628% APR*
• Year 2: 3.875% Rate* / 5.628% APR*
• Years 3-30: 4.875% Rate* / 5.628% APR* 

Or, take advantage of our 2/1 buydown on a 30-year fixed-rate conventional loan available now for a limited-time on select Quick Move-In homes.** 

• 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** 

These rates won't last long, so contact our team today for more information on homes that qualify for this program before it's too late!

*The interest rate of 4.875% is based on a 30-year fixed-rate FHA loan with a 2/1 buydown and a 3.5% down payment. The sales price is $414,507. The financed amount is $407,000 which includes the FHA UFMIP of 1.75%. 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 5.628%. A minimum credit score of 640 is required. Program is available on select homes only and applies to new contracts written between September 12, 2025 and September 30th, 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 November 28, 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. FHA county loan limits apply. Financing is offered through M/I Financial, LLC (NMLS# 50684). Restrictions do apply.