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A small wooden model house and a set of keys on a signed contract

Lender and builder incentives most Greenville buyers never ask for.

Rate buydowns, closing-cost credits and South Carolina down payment assistance can cut what a buyer brings to the closing table in Greenville and the Upstate. The Bedoya Team at Real Broker is not a lender, so what follows are illustrative examples of the programs we see here, not quotes. Send us your price range and timing and a licensed agent tells you which ones are worth a call.

The kinds of incentives Upstate buyers use

Illustrative examples · Sep 2026
Rate buydownPartner lender A
Lender-paid 2-1 buydownRate 2 points lower in year one, 1 point in year two, on conventional and FHA loans.Buyers under contract by Sep 30
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Closing costsPartner lender B
Up to $5,000 closing-cost creditApplies to origination, appraisal and initial escrow deposits. Stackable with SC Housing.First-time buyers, income ≤ 120% of area median
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BuilderSelect builder communities
Reduced fixed rate with preferred lenderBelow-market rates on move-in-ready inventory in Simpsonville, Greer and Fountain Inn.45-day close on select inventory
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SC HousingSC State Housing Finance
Forgivable down payment assistanceForgivable second mortgage for qualified buyers; forgiven after the occupancy period.First-time buyers, county income and price limits apply
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RelocationPartner lender C
Closing timeline commitmentExpedited underwriting for relocating buyers with an employment letter.Corporate and military transferees
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The Bedoya Team at Real Broker, LLC is a real estate brokerage team, not a mortgage lender, and does not originate loans, set rates or guarantee any offer. Incentives are offered by independent third-party lenders and builders, change without notice, and are subject to credit approval, program eligibility and property type. Obtain current terms in writing from the lender before relying on any figure.

Matching your situation

Send us your Greenville price range and timing, and we send back what fits.

A licensed agent on The Bedoya Team reads your price range, your timing, whether this is a first purchase, and whether new construction is on the list. We reply with the two or three incentives worth pursuing in the Upstate and introduce the lender directly, so the numbers come to you in writing from the people who set them.

Mortgage basics

Ask about incentives

No credit pull, no lender contact until you say so.