This is the best way to get a lower mortgage rate right now without needing a seller credit 

United Wholesale Mortgage is now allowing buyers to fund their own temporary buydown via points OR through taking a higher note rate. Your temporary rate is calculated from the note rate and this in effect will allow people to get a lower rate out the gate without having to invest a dime out of pocket! Also, if you do the 1-0 buydown product, they will provide you with a no cost appraisal as well! If you'd like a copy of any of the materials shown in this video let me know and I'm happy to send your way.
derrick@stonebridgemortgage.com
619.952.2046
NMLS 155010
Company NMLS 1938081