# @raymiramontes_realestate on Instagram

- **Type:** Video
- **Original URL:** https://www.instagram.com/p/DeQY3mSiI4w
- **Gondola URL:** https://gondola.cc/posts/71612514-raymiramontes-realestate-instagram
- **Thumbnail:** https://img.gondola.cc/tr:w-,h-,fo-auto/postThumbnails/2e4fecb39e.jpg
- **Posted:** 2026-10-09T02:02:24.000+00:00
- **Account Owner:** Ray Miramontes | CA Realtor (@raymiramontes_realestate) — https://gondola.cc/raymiramontes_realestate

## Caption

A 7.5% rate does not mean you have to pay 7.5% from day one.

A temporary buydown lowers your effective rate for the first few years. A permanent buydown uses points to lower it for the life of the loan.

The part buyers miss: sellers can sometimes cover part of the cost through credits, within loan program limits.

Thinking about buying in Southern California?

Text me and we will map out your options: 562-600-9793

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

#MortgageTips #RateBuydown #HomeBuyerTips #SouthernCaliforniaRealEstate

## Stats

- **Views:** 781
- **Likes:** 4
- **Shares:** 0
- **Comments:** 0

## Tags

ratebuydown, mortgagetips, 01931740, southerncaliforniarealestate, homebuyertips

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