Step-Down Interest Rates for Smoother Beginnings
The 3-2-1 Buydown Loan is a unique financing option that allows homebuyers to temporarily lower their mortgage interest rate for the first three years of their loan. With this program, your rate is reduced by 3% in year one, 2% in year two, and 1% in year three—before settling into a fixed rate for the remainder of the loan term. This structure creates a smoother financial transition into homeownership.
Lower Monthly Payments in the First 3 Years
This program is perfect for buyers who expect their income to increase over time or want to ease into the full mortgage payment gradually. During the first few years, the reduced payments can free up cash for home improvements, furniture, or simply help you adjust to your new financial responsibilities.
Great for First-Time Buyers & Growing Families
If you’re a first-time buyer or need some financial breathing room in the early years of homeownership, a 3-2-1 Buydown can offer peace of mind. It’s an ideal strategy for those who expect better earnings in the future or want to ease into budgeting at a more comfortable pace.
Experience the Equity Partners USA Advantage
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Access to over a dozen loan programs to fit every borrower profile
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Solutions for self-employed, investors, and non-traditional income earners
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Dedicated support from application to closing—no guesswork, just clarity
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Competitive interest rates with low fees and flexible qualification terms
Seller or Builder Contributions Allowed
The buydown amount is often funded by the home seller, builder, or lender as an incentive, meaning you may benefit from reduced payments without taking on extra upfront costs. We help you explore all available options during negotiations to make the most of this powerful tool.
Why Choose Equity Partners USA
At Equity Partners USA, we’re more than just a mortgage company—we’re your dedicated financial partner. We understand that securing a home loan is one of the most important financial decisions you’ll make, and our mission is to make that experience as simple, transparent, and rewarding as possible. With a diverse range of loan programs, industry expertise, and a client-first approach, we provide personalized lending solutions that align with your goals.
We are known for
Personalized loan solutions tailored to each client’s financial profile
Exceptional service and hands-on guidance from start to finish
Fast, efficient processing with transparent communication
Flexible programs for self-employed, first-time buyers, and investors
"FAQs"
We offer a wide range of loan programs including Conventional, FHA, VA, USDA, Jumbo, DSCR, ITIN, Bank Statement, 1099, Profit & Loss, HELOC/HELOAN, and Fix & Flip loans. Whether you’re a first-time buyer, investor, or self-employed borrower, we have solutions tailored to your needs.
Our mortgage experts take the time to understand your financial goals, credit profile, and income situation. Based on that, we recommend the most suitable loan options and walk you through each step of the process with full transparency.
The required documents may vary by loan type, but generally include proof of income (W-2s, pay stubs, bank statements, or 1099s), tax returns, credit history, and identification. For self-employed borrowers, we may request business financials or a profit and loss statement.
Most of our loans close within 21 to 30 days, depending on the complexity of the file and how quickly we receive your documentation. We prioritize a smooth, timely closing and keep you informed throughout the entire process.
Yes! We specialize in helping self-employed borrowers and those with alternative income sources. We offer programs like Bank Statement Loans, 1099 Loans, and Profit & Loss qualifying options to make homeownership accessible—even without traditional pay stubs.
Built Around Your Goals, Backed by Expertise
At Equity Partners USA, we don’t believe in one-size-fits-all lending. Every loan we structure is thoughtfully crafted to match your goals, lifestyle, and financial strategy. Whether you’re buying your first home, growing your investment portfolio, or refinancing for better terms, our expert team is here to guide you with clarity, precision, and care.
