1-0 Buydown for Hilton Head Island Buyers (Free Through June 30, 2026)

1-0 Buydown for Hilton Head Island Buyers

Buying a primary residence on Hilton Head Island or in Bluffton before June 30? Lock in a full 1 percentage point lower mortgage rate for year one, lender-funded.

Real Numbers on a Hilton Head Primary Home Purchase

At a Hilton Head/Bluffton median of $850,000 with 20% down, your loan amount is around $680,000.

• Normal year-one payment at 6.5%: roughly $4,298/month
• With the 1-0 buydown at 5.5%: roughly $3,860/month
• Year-one savings: ~$438 per month, or $5,260 across the first 12 months

Important: Owner-Occupied Only

This buydown is primary-residence eligible. If you're buying a Hilton Head second home or short-term rental, our jumbo programs, DSCR loans, or asset-depletion programs are typically the better fit anyway.

Note for Buyers Above the Conforming Limit

Many Hilton Head properties require jumbo financing. The 1-0 buydown can apply on certain jumbo programs too, though terms vary by lender. We can model your specific scenario in one conversation.

Deadline: June 30, 2026

Read full mechanics in our main 1-0 Buydown blog post. See the Hilton Head SC 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.