With the 2-1 Temporary Buydown Program offered by Bell Bank Mortgage, You’ll Enjoy Reduced Mortgage Payments During The First 2 Years In Your New Home!  Hurry, ends December 31st!

Here's how it works:

Purchase your home today, and in the first year your interest rate will be 2% lower than the rate you locked in.

In the second year, your rate will be 1% lower than the rate you locked in.

The rate will go to the original locked rate from the third year through the life of the loan.

This could save you thousands of dollars! Available as a Conventional or FHA loan.

Program Example

This example uses a $500,000 home purchase price point

Year 1

$ 1,852
Monthly Payment
  • 3.919% APR

Year 2

$ 2,086
Monthly Payment
  • 4.935% APR

Year 3

$ 2,334
Monthly Payment
  • 5.952% APR

*Payment estimates are based on a 30-year fixed term, 20% down, 740 credit score, 30-day rate lock and do not include taxes and insurance; therefore the actual payment obligation will be greater. Rates and payments displayed are estimated based on typical monthly principal and interest payments. Rates are based on borrowers’ ability to qualify and are subject to market fluctuations which may change the rates without notice. This is not a commitment to lend. Equal Housing Lender. Rate and payment information is provided by Kevin Yamaya at Bell Bank Mortgage, NMLS#400490. Bell Bank Mortgage is not affiliated with JP Brooks, Inc. sales and marketing and is provided for informational purposes only. Contact Kevin Yamaya, NMLS#400490 at to find out more about programs to suit your needs. **To receive the 2-1 Buydown the buyer must purchase a JP Brooks Inc. home, finance with Kevin Yamaya at Bell Bank and close with Custom Home Builders Title. You are not required to use Bell Bank or Custom Home Builders Title as a condition of the settlement of your loan program or as a condition of your purchase or sale of the Property. There are other settlement service providers available with similar services and you’re free to shop around to determine the best rate for these services.

Why Buy Today?


3.6% Interest Rate

= $1,819


3.75% Interest Rate

= $1,593

Find Out More

Ends December 31, 2022!  Learn more about this amazing financing opportunity today. Our local experts are here to help. They can answer your questions about:

2-1 Rate Buydown Program