How a 5.5% Rate Buydown at Trailside Can Save You Around $500/Month
Let’s be honest—elevated interest rates have sidelined a lot of would-be homebuyers. With rates hovering around 6.95% for much of the past year, many buyers have felt priced out, discouraged, and disconnected from the dream of homeownership. The result? A lot of people are pressing pause, even if they're more than ready to move.
Now, with rates hovering around 6.37%, it’s easy to feel like homeownership is a little more attainable, but still out of reach. That’s why Trailside’s 5.5% permanent rate buydown is a game-changer—a real, long-term savings opportunity that puts money back in your pocket every single month. In fact, it’s equivalent to dropping the price of your home by over $55,000 over the life of a 30-year mortgage.
Let’s break down how it works.
1. What Is a Rate Buydown?
A rate buydown is when the seller (in this case, Trailside) offers to permanently lower your interest rate by paying points upfront. This means you lock in a better rate for the life of the loan—not just for a year or two. The result? A significantly lower monthly mortgage payment.
Trailside is currently offering a permanent 5.5% interest rate on select homes for qualified buyers.
2. Monthly Payment Breakdown (With 5.5% Buydown Example)
Let’s assume a $540,000 townhome with 20% down and a 30-year fixed mortgage.* Here's what your monthly principal and interest payments might look like with and without the rate buydown:
| Rate | Monthly Principal & Interest | Monthly Savings |
|---|---|---|
| 6.37% | $2,703/month | — |
| 5.5% | $2,202/month | $501/month saved |
That’s a savings of over $6,000 per year, or $55,000+ over the life of your loan. PLUS, no HOA fees until 2027, adding additional savings back in your pocket. win-win!
*Annual Percentage Rate (APR) is current as of 9/25/2025. The interest rate and APR are subject to change daily without notice and are based on a Conventional 30-year fixed loan with 20% down payment and minimum FICO score of 780 on a single-family, primary residence.
The information on this piece is strictly for example purposes only. Qualification is required. Rates shown are inclusive of 1.0 lender subsidy credited towards permanent rate & pricing. Rates may vary and may not be indicative of current market rates, contact a loan officer for a true rate quote. Additional costs and fees may apply. Financing offer only applies to six available units within the Trailside community.
Not available on Bond or brokered loan products.
3. Why This Matters in Today’s Market
Affordability is one of the biggest concerns for buyers right now. A lower monthly payment can:
Make your dream home attainable
Help you qualify for a better loan
Free up cash for savings, upgrades, or travel
Provide peace of mind when budgeting long-term
Rather than waiting for interest rates to drop (which is uncertain), the Trailside buydown gives you certainty now.
4. How to Qualify
The 5.5% rate buydown is available on select homes at Trailside for qualified buyers. Here’s what to know:
Speak to our preferred lender at Movement Mortage
Janicki Residential provides the upfront buydown as part of closing
You must meet standard credit and income qualifications
Limited-time offer. Subject to availability and lender approval.
5. Ready to See the Savings for Yourself?
Trailside’s rate buydown isn’t a gimmick. It’s a real financial advantage for buyers in 2025 who want to own with confidence. With new townhomes available now, it’s a great time to schedule a tour and explore your financing options.
Want a personalized savings estimate? Reach out today—we’ll help you calculate your monthly payments and show you how much you can save with our 5.5% offer.
