There are real tools for lowering the early payments. None of them make interest disappear; they restructure when you pay it. The two main ones: - Temporary buydowns. A 2-1 buydown uses an upfront credit to lower your rate for the first year or two, then the payment steps back up to the note rate. The plan is that your income rises or rates fall enough to refinance before the buydown burns off. Nobody can promise that refinance shows up, so treat the full note-rate payment as the real payment you are signing up for. - Adjustable-rate mortgages. A 5/1 or 7/1 gives you a lower fixed rate for the initial five or seven years before the rate can adjust, which lowers the payment during that window in exchange for adjustment risk later. Older structures like graduated payment mortgages have effectively gone away, so those are out of the conversation. The honest framing: a lower payment today comes either from accepting adjustment risk later (the ARM) or from someone paying upfront to subsidize the rate (the buydown). We lean against spending your own money to buy a rate down, though the math is something some people want to see, and we will run that comparison for you. We can model what each option actually does to your payment on the free Roadmap conversation (about 20 minutes) where we run your real numbers.