Limited-time offer · October 1, 2026 to December 31, 2026

Calculate your Inflation Buster Buydown savings

Enter a purchase price, down payment and a sample note rate from your own quote. We’ll show the estimated monthly principal and interest payment at that note rate, the estimated payment in year 1 at 1 percentage point lower, and the estimated total savings over the first 12 payments. This is an illustration only — not a quote, a rate lock or a commitment to lend.

Estimated first-year savings

Principal and interest only. Taxes, insurance and HOA dues are not included. Year 1 uses a rate 1 percentage point lower than the note rate you entered. Beginning in year 2, the principal and interest payment rises to the note-rate payment.

Loan amount: $320,000
Sample note rate: 6.500%
Year-1 rate (note − 1%): 5.500%
Est. monthly P&I at the note rate: $2,022.62
Est. monthly P&I in year 1: $1,816.92
Est. monthly difference: $205.69
Est. total year-1 savings (12 × difference): $2,468.31

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Important disclosures

This is an estimate for illustration only. It is not a rate quote, a Loan Estimate, an application for credit or a commitment to lend.

The Inflation Buster Buydown is a temporary 1-0 buydown on qualifying purchase loans. For the first year only, your estimated monthly principal and interest payment is calculated as if the interest rate were 1 percentage point lower than the note rate you enter. The loan is originated and accrues interest at the full note rate for the entire term. The note rate does not change, and there is no increase to the note rate because of this buydown. Novus Home Mortgage pays the cost of the temporary buydown on qualifying loans, at no cost to you. After the first year, your monthly principal and interest payment increases to the full payment based on the note rate, and you are responsible for that payment for the rest of the loan term.

Representative example (based on the numbers you enter, or the labeled example defaults if you have not changed them): For a 30-year fixed-rate purchase loan with a loan amount of $320,000.00, a sample note rate of 6.500% (an example you may replace — this is not a current market rate or an offer), the estimated monthly principal and interest payment at the note rate is $2,022.62. During year 1, the estimated monthly principal and interest payment at the bought-down rate of 5.500% is $1,816.92, a difference of $205.69 per month, or about $2,468.31 over the first 12 payments. Beginning in year 2, the estimated monthly principal and interest payment rises to $2,022.62. Taxes, insurance, HOA dues and other costs are not included.

This offer applies to purchase contracts ratified between October 1, 2026 and December 31, 2026 that close by December 31, 2026, for primary residences, second homes and investment properties. Approval is required; not all borrowers or loan programs qualify. Subject to credit approval, program guidelines and availability. Terms may change or end without notice. This calculator shows a hypothetical estimate based only on the numbers you enter.

Novus Home Mortgage, a division of Ixonia Bank, NMLS 423065. Member FDIC. Equal Housing Lender. All loans are subject to credit approval and applicable program requirements and guidelines. Rates and requirements are subject to change without notice. Not all products are available in all states. Other restrictions or limitations may apply.

Temporary buydown does not change your loan's interest rate or amortization. The loan is originated and accrues interest at the full note rate for the entire term. During the buydown period, a portion of your monthly payment is subsidized, typically by the seller, builder, lender, or another permitted party, which reduces the amount you pay each month for a limited time. Once the buydown period ends, you are responsible for the full monthly payment based on the note rate. Temporary buydown options, such as a 2/1 or 3/2/1 buydown, may be available. Ask us for details and eligibility.

Andy Zemon, NMLS 208916, is an NMLS-registered mortgage loan originator, registered to lend in all 50 states. Andy Zemon, NMLS 208916.

Calculate your Inflation Buster Buydown savings

Your example numbers

Estimated first-year savings