10/06/2026
WAIT… A 4.95% MORTGAGE RATE?
If you're shopping for a home and seeing mortgage rates in the 7.5% range, you might want to take a closer look at new construction.
Some builders are offering financing incentives with rate as low as 4.95%** on select homes.
That can make a BIG difference in your monthly payment.
And builder incentives may include more than just a lower rate:
✨ Rate buydowns
✨ Closing-cost assistance
✨ Upgrades
✨ Design allowances
✨ Special incentives on quick move-in homes
But here's our biggest piece of advice:
Don't go into new construction alone. Engage a Realtor with experience selling new homes across several communities!
While the Sales Professionals at the Model Home are very knowledgeable and helpful (we know and have worked with many!)
Their primary focus is to promote and sell that builder's homes.
Your buyer's agent represents you and wants you to buy the RIGHT home!
Having your own representation can help you evaluate the price, incentives, upgrades, lot premiums, financing and contract—and make sure you're making a decision that's right for your goals.
We also have experience working with several builders and understand the nuanced differences between their product and offerings.
**Builder rates and incentives vary by community, lender, loan type, qualifications and availability. 4.95% is an example of a promotional rate and is not guaranteed.
