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

1-0 Buydown for Raleigh NC Buyers

Buying in Raleigh, North Hills, Wakefield, Brier Creek, or anywhere in Wake County 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 Raleigh Purchase

At a Raleigh median of $470,000 with 10% down, your loan amount is around $423,000.

• Normal year-one payment at 6.5%: roughly $2,673/month
• With the 1-0 buydown at 5.5%: roughly $2,402/month
• Year-one savings: ~$271 per month, or $3,250 across the first 12 months

Why It Matters in the Triangle

Raleigh's tech-driven relocation market means a lot of buyers come from higher-cost areas with strong income but tight first-year cash flow. The buydown is a real cushion. It also stacks well with NC Housing's Home Advantage DPA program for first-time Triangle buyers.

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 Raleigh 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.