Builder incentives
Credits or incentives may be tied to using the builder's preferred lender or other affiliated providers.
New construction
Builder incentives can be valuable, but compare the full transaction.
New construction often combines property selection, upgrade choices, builder incentives, preferred-lender offers, extended timelines, and unique contract terms.
Financing comparison
Compare rate, points, credits, fees, and long-term cost rather than evaluating the incentive alone.
Upgrades
Design-center selections can materially increase the final purchase price and cash requirement.
Timeline
Construction schedules can shift, which can affect rate locks, housing plans, and closing.
Inspections
Independent inspections can still be useful during new construction.
Representation
The builder's sales representative works for the builder. Buyers may choose their own representation subject to applicable rules and contracts.