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 builderBuilder 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.