Builder incentives are real — and so is the markup that sometimes hides behind them. Bring your own lender to the table and make them compete for you.
Price against the builder📖 Read the guide ↓Builder credit minus builder pricing vs. Nic's numbers — the honest total, side by side.
A lock that survives construction delays, with float-down if rates improve.
Pre-drywall and final — new homes have punch lists too.
Coordinated with the certificate of occupancy, not scrambling after it.
Buyers of to-be-built and spec homes across the Valley's new communities.
General guidelines, not a loan offer — programs and terms depend on your full picture.
Ask it in your own words. I answer these myself — no call centre, no sales sequence, and no obligation to do anything afterwards.
No pressure, no jargon — just a straight answer about where you stand.