If you purchased your home between 2020 and 2024 and took advantage of a temporary buydown, this could be your signal to act.

Freddie Mac reports that rates have fallen to their lowest level in nearly a year — 6.3% for a 30-year fixed and 5.53% for a 15-year fixed (as of Oct 9, 2025).

Many homeowners whose temporary rate reductions are expiring may find that today’s market rates are close to — or even lower than — what their payments will reset to. Refinancing now could help you lock in a stable mortgage payment and avoid the shock of a rate jump later.

Let’s review your current loan and see if the math makes sense before your buydown ends.

📧 robert@livinginphoenix.net
📞 480-415-0783

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