1-0 Buydown for Rock Hill SC Buyers (Free Through June 30, 2026)

1-0 Buydown for Rock Hill SC Buyers

Buying in Rock Hill, Tega Cay, Fort Mill, Lake Wylie, or anywhere in York 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 Rock Hill Purchase

At a Rock Hill/Fort Mill median of $375,000 with 10% down, your loan amount is around $337,500.

• Normal year-one payment at 6.5%: roughly $2,132/month
• With the 1-0 buydown at 5.5%: roughly $1,916/month
• Year-one savings: ~$216 per month, or $2,590 across the first 12 months

Stacking Savings: Rock Hill SC vs. Charlotte NC

If you're a Charlotte commuter, the buydown stacks with SC's tax advantage. South Carolina's 4% owner-occupied tax rate typically saves $2,000–$4,000/year in property taxes versus a comparable Mecklenburg County home. Plus this year-one buydown savings. Real money, both year one and ongoing.

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 Rock Hill 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.