# New Construction Buyers: Are You Overpaying for That “Incentive” Rate?

Page: https://stenobird.com/podcast/the-brutally-honest-loan-officers-6715911/new-construction-buyers-are-you-overpaying-for-that-incentive-rate
Text version: https://stenobird.com/podcast/the-brutally-honest-loan-officers-6715911/new-construction-buyers-are-you-overpaying-for-that-incentive-rate.md
Podcast: [The Brutally Honest Loan Officers](https://stenobird.com/podcast/the-brutally-honest-loan-officers-6715911)
Published: 2026-02-24T11:27:20+00:00
Episode link: https://TheBrutallyHonestLoanOfficers.podbean.com/e/new-construction-buyers-are-you-overpaying-for-that-incentive-rate/
Audio file: https://mcdn.podbean.com/mf/web/xc5hj4jgnnwgs3ad/audio1454873879.mp3
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Duration seconds: 2040

## Resource

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?

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