Two ways to save on your next home.
Buy with The Lance Group and finance with Julie Crow at First National Mortgage. Choose a lender paid 1/0 buydown for a lower first year payment, or 0.875% off your closing costs.
Lower your payment or lower your cash to close
Every buyer is different. Julie will run your numbers both ways so you can see which one saves you more.
Lender Paid 1/0 Buydown
- Your interest rate is 1% lower for the first 12 months
- Paid for by the lender
- A lower monthly payment while you settle in
Credit Toward Closing Costs
- A lender credit applied to your closing costs
- Less cash needed on closing day
- Keep more savings for moving and furnishing
Three simple steps
Tell us about you
Fill out the short form below. It takes about a minute.
Julie runs your numbers
She compares both incentives side by side for your price range.
Pick your savings
Choose the option that fits, then tour homes with a Lance Group agent.
Julie Crow
Loan Originator, First National Mortgage · NMLS 274675
Julie has spent more than 20 years in real estate and lending, and has lived in Utah County most of her life. She works with every major loan program, including conventional, FHA, VA, and USDA loans.
Her goal is simple: take the worry and confusion out of getting a loan, and be there for every step.
Good to know
What is a 1/0 buydown?
Your interest rate is reduced by 1% for the first year of the loan. After 12 months it moves to your regular rate for the rest of the loan. With this incentive, the lender covers the cost of the buydown.
Which option is better for me?
It depends on your budget and your plans. If a lower payment in year one matters most, the buydown is a strong fit. If you want to bring less cash to closing, the closing cost credit may save you more. Julie will show you both.
Do I have to use Julie to buy a home with The Lance Group?
No. You are always free to choose any lender. These incentives are offered through First National Mortgage, so they apply when you finance with Julie.
I'm a Realtor. Can my buyer use this?
Reach out to Julie. She is happy to walk through the numbers with you and see how this incentive can help your buyer get into the home.
Get your quote
Tell us a little about you and Julie will reach out with your options.
Julie Crow, NMLS 274675. First National Mortgage, NMLS 1754736, 397 North Main Street, Spanish Fork, UT 84660. Equal Housing Opportunity. Incentives are offered by First National Mortgage and are subject to credit approval, program terms, and availability. Not all buyers will qualify. This is not a commitment to lend. You are free to use any lender you choose.
