How to Save 12,000 in One Year Buying a New Home

By Raymus Homes Staff - 12-1-2025

Looking at interest rates is about as fun as a root canal. But at Raymus Homes, we decided we weren't just going to sit around and talk about the "good old days" of low rates. But instead we were going to go out and get them for you. Welcome to the most exciting math lesson you’ll ever actually enjoy. We’re introducing a 3/2/1 Buydown that is so good, it’s basically the "cheat code" to homeownership in Manteca. We’re talking about starting your first year with a rate as low as 2.625%.

The "Mind-Blowing" Math

If you bought a home today at the standard rate of 6.27%, your Principal & Interest (P&I) would be around $3,601*. But check out what happens when you use our Special 3/2/1 Buydown:

• Year 1 (2.625%): $2,345* — You save over $1,200 a month! That’s $12,000+ in your first year.
• Year 2 (3.625%): $2,662*
• Year 3 (4.625%): $3,001*
• Years 4-30 (5.625%): $3,360*

Think about what you could do with an extra $12,000 in your first year. New furniture? A killer housewarming party? A very aggressive savings account for that Italian vacation? The choice is yours!

Spotlight on: 2182 Silk Avenue

You aren't just getting a great rate; you’re getting a total showstopper of a home in The Trails. Part of our Strand Collection, this home (the Cambria with that 4th bedroom upgrade!) is designed for real life.

Why we’re obsessed with this layout:

• Main-Level Magic: It features a serene downstairs Primary Suite (hello, soaking tub and shower with a seat!) and a downstairs flex room with a barn door. Use it as an office, a playroom, or even a zen prayer room.
• The Chef’s Dream: A kitchen featuring painted shaker cabinetry, a herringbone full tile backsplash, Samsung appliances, and a gas range (standard in all Raymus homes!). We even included the "little things" like a trash pull-out cabinet and a USB outlet at the oversized island.
• Space to Breathe: 4 bedrooms total, plus an upstairs loft for movie nights, and walk-in closets in every bedroom.
• The Great Outdoors: A covered patio leads to a 27’ deep backyard. That’s plenty of room for a garden, a play structure, or the ultimate BBQ setup.

Modern Tech & Prime Location

We didn't forget the "must-haves" for 2025. This home comes with an EV outlet in the garage, thoughtfully placed LED recessed lighting, and durable laminate flooring that can handle kids, pets, and holiday guests. Plus, you’re perfectly positioned for easy living. Whether you're heading to work via I-5, Hwy 99, or the Manteca ACE Train station, your commute just got a whole lot easier.

Ready to See the Magic in Person?

2182 Silk Avenue isn’t just a house; it’s a place to settle in and finally breathe easy. And with that 2.625% starting rate, your wallet will be breathing easy, too! Curious what your specific payment would look like? We can run custom numbers just for you! Contact us to schedule a private tour of Silk Avenue so you can see that herringbone backsplash in person!