# @raymiramontes_realestate on Instagram

- **Type:** Video
- **Original URL:** https://www.instagram.com/p/DePepQAgf1X
- **Gondola URL:** https://gondola.cc/posts/71612517-raymiramontes-realestate-instagram
- **Thumbnail:** https://img.gondola.cc/tr:w-,h-,fo-auto/postThumbnails/5135f79b72.jpg
- **Posted:** 2026-10-08T17:33:24.000+00:00
- **Account Owner:** Ray Miramontes | CA Realtor (@raymiramontes_realestate) — https://gondola.cc/raymiramontes_realestate

## Caption

Quoted 7.5%? You might not have to pay 7.5%.

Two options buyers are using right now.

A 3-2-1 temporary buydown cuts your rate for the first three years, then returns to your note rate. A permanent buydown uses discount points to lower your rate for the life of the loan.

Both cost money, but on the right deal a seller credit can help pay for it. The goal is not just finding the right house. It is structuring the financing so the payment makes sense.

Buying in Southern California?

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

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

#MortgageRates #RateBuydown #HomeBuyingTips #SouthernCaliforniaRealEstate

## Stats

- **Views:** 1,508
- **Likes:** 16
- **Shares:** 0
- **Comments:** 0

## Tags

homebuyingtips, ratebuydown, 01931740, southerncaliforniarealestate, mortgagerates

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