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The Wells Fargo FLEX/FIXED® temporary buydown program lets you combine lower initial monthly mortgage payments with a predictable payment schedule.


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  • Lower initial monthly mortgage payments for up to the first three years of loan term, depending upon the loan program. 
  • Numerous temporary buy down options available with many different loan programs. 
  • Payments can adjust every 6 or 12 months until your buydown funds are exhausted, depending upon the loan program. 
  • Maximum annual adjustments vary depending upon the buydown option chosen. 


  • The lower initial monthly mortgage payment allows you to redirect cash flow toward other priorities or to reduce bills or debt. 
  • Predictable payments provide peace of mind, allowing you to manage your cash flow. 
  • Choice of a variety of buydown options so you can find one that meets your needs.


  • Make sure that you are prepared and able to handle the payment increases. 
  • The buydown funds are paid at loan closing and cover a portion of your monthly payments. 
  • Buydown funds may be paid by you, the seller, or the lender. 
  • Temporary buydowns are not allowed on all loan programs.
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