⏰ July Special — Lock By July 31, 2026

1% Rate Buydown for Just a Quarter Point — Save Thousands in Year One

Lock your purchase mortgage with Black Rock Mortgage by July 31 and we’ll buy your rate down 1% for the first 12 months — for just 0.25 points (a quarter of one percent of your loan amount). Available on Conventional, FHA, VA, and USDA purchase loans. Pre-approval takes 24 hours.

See My OptionsCall Keith: 352-619-4959
Keith Meredith, Division PresidentWritten by Keith Meredith·NMLS 303217·Division President, Black Rock Mortgage

Claim My Free Buydown
Call Keith: 352-619-4959

1% Lower Rate

Your rate drops a full percentage point for the first 12 months. Real savings on your monthly payment.

$0 Cost to You

We cover the buydown — not the seller, not built into your loan. Genuinely free for Black Rock clients.

Lock by July 31

Pre-approvals take 24 hours. Start now to make sure you qualify before the deadline.

How It Works

4 Simple Steps to Your Free Buydown

1

Apply

Submit a quick pre-approval application. We pull credit, verify income, and confirm you qualify.

24 Hours
2

Find Your Home

Shop with confidence knowing you’re fully pre-approved. Get under contract on your dream home.

Your Timeline
3

Lock by July 31

We lock your rate and automatically apply the quarter-point 1% buydown to your year-one payment.

Before Deadline
4

Close & Save

Close as normal. Enjoy a lower payment for 12 months. Returns to your locked rate in month 13.

3-4 Weeks

What Is a 1-Year 1% Temporary Rate Buydown?

A temporary rate buydown lowers your interest rate at the beginning of your loan when monthly cashflow matters most. With our free 1-0 buydown (1% reduction for 1 year), your rate drops by a full percentage point for the first 12 months. Starting month 13, your payment returns to your originally locked rate — no surprises, no escalation beyond what you signed at closing.

This is real money in your pocket during the most expensive year of homeownership — when you’re paying for moving costs, furnishing, repairs, and learning the rhythm of your new mortgage payment. We’re absorbing most of the buydown cost ourselves — you pay only 0.25 points — as a promotional benefit for clients who lock with us before July 31, 2026.

Who Qualifies

  • New purchase only locked with Black Rock Mortgage by July 31, 2026
  • FHA, VA, USDA, and conventional financing all eligible
  • Primary residence and second home purchases qualify
  • Property in any of our 40+ licensed states
  • Standard credit, income, and property qualification applies

Free Buydown FAQ

Yes, genuinely free. Black Rock Mortgage covers the buydown cost — it’s not built into your loan, not paid by the seller, and not hidden in a higher base rate. We’re absorbing it as a promotional benefit. The only “catch” is the July 31 deadline and standard qualification — your credit, income, and the property still need to meet your loan program’s requirements.

Depends on your loan amount and rate. On a $300,000 loan, a 1% reduction saves about $195/month, or $2,340 in year one. On a $400,000 loan, about $254/month, or $3,048 in year one. On a $500,000 loan, about $330/month, or $3,960 in year one. Real cashflow when you need it most.

Starting month 13, your interest rate returns to your originally locked rate. Your payment goes up to that standard amount. You’ll know exactly what that payment will be from day one — fully disclosed at closing, no surprises. Most buyers use year-one savings to build emergency reserves, pay down credit cards, or fund home improvements.

Yes, anytime. Your year-one savings are already in your pocket. If you refinance during the buydown period, any unused buydown funds get credited to your closing costs on the new loan — you don’t lose them. Win either way.

Yes — the buydown applies to FHA, VA, USDA, and conventional loans. Government program rules still apply (income limits, geographic eligibility, etc.), but the buydown layers on top of any of these programs the same way. Investment property loans (DSCR, second homes purchased for investment) are not eligible.

Get pre-approved now anyway. Pre-approval is good for 90 days and costs nothing. When you find your home, you’ll already be positioned to lock by the July 31 deadline. Without pre-approval first, you risk running out of time when the right house comes along.

Don’t Wait — Offer Ends July 31, 2026

Pre-approvals take 24 hours on weekdays. Lock-ins take a few days more. Start now to make sure your free buydown is locked in before the deadline.

Apply Now — Claim My Free Buydown
Call Keith: 352-619-4959

Example shown is illustrative only based on a $400,000 30-year fixed-rate mortgage. Actual rate, payment, and savings depend on your credit score, loan amount, property, and program. This promotional offer is valid for new mortgage applications locked with Black Rock Mortgage by 11:59 PM EDT on July 31, 2026. Buydown applied as a 1.00% reduction in interest rate for the first 12 months of the loan. Subject to credit approval, property appraisal, and standard loan program qualification requirements. Not all applicants will qualify. Investor properties not eligible. Not a commitment to lend. Black Rock Mortgage, a division of Coast 2 Coast Mortgage. NMLS #376205. Keith Meredith, NMLS #303217. Equal Housing Lender. Licensed in 40+ states.