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hey good morning everyone its Angelo Christian Financial thank you so much for watching our podcast real estate Insider where America goes for funding call or text us 832-431-631 today were talking about interest rate buy Downs how low can you actually buy down your interest rate so a lot of people arent aware that you know whenever you get a mortgage and you get approved I dont care what type of loan it is theres a par rate that you normally will qualify for and lets say that that par rate is six percent you can actually buy down that rate um now theres a limit on how low you can buy down your rate so its kind of like that that old song how low can you go well theres a certain limit on how low you can actually go to buy down your interest rate So in theory for residential lending um you can buy down and pay up to three points to buy down your rate and every point will normally lower the interest rate by a quarter percent so lets talk about this so if you get a half a millio