# @raymiramontes_realestate on Instagram

- **Type:** Video
- **Original URL:** https://www.instagram.com/p/DeU1zqugqgB
- **Gondola URL:** https://gondola.cc/posts/71612506-raymiramontes-realestate-instagram
- **Thumbnail:** https://img.gondola.cc/tr:w-,h-,fo-auto/postThumbnails/95fdbc84a7.jpg
- **Posted:** 2026-10-10T19:32:28.000+00:00
- **Account Owner:** Ray Miramontes | CA Realtor (@raymiramontes_realestate) — https://gondola.cc/raymiramontes_realestate

## Caption

Your mortgage rate and the rate you actually pay are not always the same.

A temporary buydown lowers your payment for the first few years. A permanent buydown lowers your rate for the life of the loan.

Both cost money, but on the right deal we can negotiate seller credits to help cover it. Sometimes the financing structure matters more than the price.

Want to see what this looks like on a home you are considering?

Text me and we will run your numbers: 562-600-9793

Ray Miramontes | The Mira Group | Circle Real Estate | DRE #01931740 | 562-600-9793

#MortgageRates #RateBuydown #HomeBuyingTips #SouthernCaliforniaRealEstate

## Stats

- **Views:** 1,115
- **Likes:** 9
- **Shares:** 0
- **Comments:** 0

## Tags

ratebuydown, 01931740, southerncaliforniarealestate, mortgagerates, homebuyingtips

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