1-0 Buydown for Cary NC Buyers (Free Through June 30, 2026)

1-0 Buydown for Cary NC Buyers

Buying in Cary, Preston, MacGregor Downs, Amberly, Lochmere, or anywhere in Wake County's most planned community before June 30? Lock in a full 1 percentage point lower mortgage rate for year one — lender-funded.

Real Numbers on a Cary Purchase

At a Cary median of $620,000 with 10% down, your loan amount is around $558,000.

• Normal year-one payment at 6.5%: roughly $3,527/month
• With the 1-0 buydown at 5.5%: roughly $3,168/month
• Year-one savings: ~$359 per month, or $4,300 across the first 12 months

Especially Powerful on Cary's Higher Price Points

Cary's pricing has pushed past most government loan limits, meaning most buyers end up in conventional or jumbo financing. The 1% rate reduction scales with loan size — a $4,300 year-one savings on a Cary purchase is meaningfully bigger than the same buydown on a $300K loan.

Deadline: June 30, 2026

Loans need to be locked by June 30. Read full mechanics in our main 1-0 Buydown blog post. See the Cary NC Mortgages hub.

Call or text Samantha Payne at (864) 387-8964, email Samantha@openkeymortgage.com. OpenKey Mortgage Advisors LLC. NMLS Company ID 2812158. Licensed in SC and NC. Equal Housing Opportunity.