Builder incentives can feel like free money… and sometimes they are. But the real clarity comes from knowing what the incentive is actually buying you. A credit usually lowers your upfront costs. A rate buydown lowers your monthly payment. Both can be helpful. But each builder structures them differently, and many are tied to the preferred lender. The part most buyers struggle with next is: “How do I compare the builder’s lender with my own lender?” That’s where a side-by-side breakdown matters.
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