seller concessions strategy

A 1-1 buydown Raleigh NC strategy is one of the most effective ways for homebuyers to improve their monthly payment without negotiating a lower purchase price. In the Triangle housing market—including Raleigh, Cary, Apex, and Durham—sellers are typically more willing to offer concessions than reduce price, and more likely to approve a simpler 1-1 buydown than a higher-cost 2-1 structure. This creates a critical advantage for buyers who focus on deal structure rather than rate alone. A seller-paid 1-1 buydown reduces the interest rate by 1% for the first two years, with funds held in a temporary escrow account and applied monthly—sometimes described as “near money” because unused funds may reduce the loan balance if the buyer refinances or sells early. Kevin Martini and Logan Martini of Martini Mortgage Group emphasize that most deals don’t fail because of price—they fail when buyers run out of options. Expanding those options through strategies like a 1-1 buydown helps buyers secure the safety of a fixed-rate mortgage while keeping future flexibility in the Raleigh and Triangle real estate market.