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hi guys Amber Ernst here with numerican funding I wanted to jump on here quick because I have something super exciting so we have a buy down product and what it is is you can do a three two one buy down or a 2-1 buy down and what it is is your interest rate is either three percent and then two percent and then one percent lower every year or on a two one buy down it would be two percent lower the first year and then one percent lower and then year three would be the note rate now what this means for you is is its a separate escrow account and it can be funded by the lender or the seller and you can get your interest rate reduced so for instance I have one right now that were doing 3.875 year one 4.875 year two 5.875 year three and then moving forward so it is a huge saver for the buyer and gets you locked into that low payment um and really helps you save some money and we can do this uh paid by the seller rather than a price reduction so um yeah Im gonna go ahead and attach a flye