SmoothStart: Making Homeownership More Affordable
Castle & Cooke Mortgage is taking a stand on housing affordability with a free 1-year interest rate buydown for qualified borrowers.
Interest rates have been… interesting. They rise and fall quickly, and many buyers (and even sellers) are left feeling uncertain about when to make a move. At Castle & Cooke Mortgage, we believe that the dream of homeownership shouldn’t have to wait. That’s why we created SmoothStart.
What is SmoothStart?
SmoothStart is our way of helping borrowers feel more comfortable in today’s market. Qualified borrowers will receive a 1% interest rate reduction for the first year of their mortgage... completely free!
- Lower monthly payments in Year One: A full percentage point reduction makes a real difference.
- No added cost: Castle & Cooke Mortgage covers the buydown.
- Confidence to act now: Don’t wait for rates to drop. Buy today, and when they do fall, our SimpliFi program is ready with a refinance option that waives our lender fees.
Why are we offering this?
Because affordability matters. While we can’t control qualification requirements like debt-to-income ratios, we can help families manage payments more comfortably in their first year. We know many buyers can qualify today, but they hesitate, hoping for a future rate drop. SmoothStart helps bridge that gap.
Who can benefit?
- First-time buyers who want to ease into homeownership.
- Move-up buyers managing the transition to a bigger mortgage.
- Anyone on the fence waiting for rates to shift.
How does it work?
- Castle & Cooke Mortgage covers the cost of a 1/0 Temporary Buydown: you enjoy a 1% lower rate for your first 12 monthly payments.
- After Year One, your loan returns to its standard fixed rate.
- Applies to most standard loans (excludes jumbo, non-QM, bond, and brokered).
- Can be used on FHA/USDA/VA Loans, but for purchases only.
- Also available with refinances with some restrictions
Our Commitment to You
We believe every family deserves the chance to start their homeownership journey with confidence. With SmoothStart, Castle & Cooke Mortgage is stepping up to support affordability in today’s market, and giving you the opportunity to buy with peace of mind.
