Stop scrolling if you think you need 20% down to buy a home.
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Stop scrolling if you think you need 20% down to buy a home. You actually don't! And if you are waiting until you “save more, waiting could cost you more money! There is a program in North Carolina that most buyers do not even realize exists and it could completely change your timeline to homeownership. Meet the Community Advantage Mortgage Program through South State Bank. Here is what that actually means for you: No traditional down payment required But here is the catch. Not everyone qualifies and that is what makes it powerful Guidelines include:
This program is for serious buyers ready to move strategically. If that is you, now is the time to act, before prices climb and competition heats up. Why I am sharing this now I hear too many renters say: “I just need to save a little more.” Meanwhile, that money is going to someone else’s mortgage. With 100% financing, the question is not “Can I afford a down payment?” Two very different conversations.
Here is what smart buyers do:
If you are thinking about buying in Raleigh or the surrounding areas, this is a conversation you want to have now, especially before spring and summer competition ramps up. I work closely with trusted mortgage professionals like Emily Bennett (NMLS #414606) at SouthState Bank to make sure buyers understand every option available. Because strategy matters. The real question If you found out you could buy sooner than you thought, would you still wait?
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Kala Dunn | Realtor
A Raleigh native and true Triangle insider, I bring seven years of exclusive new construction experience to the table. I have guided buyers through communities, contracts, and design selections with clarity and confidence, interpreting builder processes and contracts into proactive guidance that protects your interests and maximizes opportunity. I understand what adds value, what to avoid, and how to position you to make confident, well-informed decisions. Today, I combine my builder-side expertise with a full market perspective to give my clients an advantage at every stage, from lot selection to closing day. Because I understand how builders operate behind the scenes, I can anticipate challenges before they arise and uncover opportunities others might overlook. The result is a building experience that feels seamless, intentional, and genuinely exciting. Outside of real estate, I have a deep love for design and the details that turn houses into homes. In my free time, you can find me working on a DIY project, discovering a new restaurant, enjoying a brown sugar iced latte, attending concerts, or planning my next trip. Whether you are relocating, building new, or purchasing your first home, I am here to guide you every step of the way with experience, insight, and intention.