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

1-0 Buydown for Charlotte NC Buyers: Free First-Year Rate Reduction Through June 30, 2026

Buying in Charlotte, Ballantyne, SouthPark, Lake Norman, or anywhere in the Charlotte metro before June 30? Lock in a full 1 percentage point lower mortgage rate for year one — lender-funded, no cost to you or the seller.

Real Numbers on a Charlotte Purchase

At a Charlotte median of $475,000 with 10% down, your loan amount is around $427,500.

Normal year-one payment at 6.5%: roughly $2,701/month
With the 1-0 buydown at 5.5% in year one: roughly $2,427/month
Year-one savings: ~$274 per month, or $3,290 across the first 12 months

Why This Matters in Charlotte

Charlotte's relocation pipeline is one of the strongest in the country — Bank of America, Wells Fargo, Atrium Health, Lowe's, and Honeywell hire from out of market constantly. New arrivals from Boston, New York, and the Bay Area typically have strong income but a tight first-year cash situation while they pay moving costs, furnish the home, and adjust to NC property tax rates. A $3,300 first-year buffer matters.

OpenKey Is Now NC-Licensed

OpenKey Mortgage Advisors is licensed in North Carolina as of May 2026. We can structure this buydown on your Charlotte purchase whether you're closing in Mecklenburg, Union, or Cabarrus County.

Charlotte vs. Rock Hill SC — Cross-Border Tax Comparison

If you're flexible on which side of the state line you live, the SC side (Rock Hill, Fort Mill, Tega Cay) typically saves $2,000–$4,000/year in property taxes on a comparable home, on top of the buydown savings. We can model both scenarios in one conversation.

Deadline: June 30, 2026

Lender-funded offer, hard deadline. Loans need to be locked by June 30.