Episode
New Construction Buyers: Are You Overpaying for That “Incentive” Rate?
- Published
- Feb 24, 2026
- Duration seconds
- 2040
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Summary
In this episode of The Brutally Honest Loan Officers Podcast, we break down what builders don’t always explain clearly: • Why new construction homes are often priced higher than resale• Why builders avoid lowering prices• How rate buydowns actually work• The real math behind “builder incentives”• When a higher price can still mean a lower monthly payment• The hidden risk if you sell in 2–3 years• Why long-term buyers benefit most from new construction Right now, many builders are offering: 4.99%–5.25% interest rates Closing cost credits Design center upgrades Appliance packages Lot premium waivers But here’s the key question: Are you saving money… or just shifting where you pay it?