The Real Estate and Mortgage Group

CLOSING COST ASSISTANCE - One of the most common incentives is closing cost assistance. This means the Buyer receive credits toward closing costs, which are those out-of-pocket expenses that come at the end of the buying process. These can include fees for the loan, appraisal, title insurance, and more.

TEMPORARY BUYDOWNS ease you into homeownership with lower initial payments. They are mortgage financing tools that reduce your interest rate for a limited time at the beginning of the loan term, usually the first 1–3 years. The reduced rate lowers your monthly mortgage payments temporarily, making the loan more affordable during those initial years. The Seller pays an upfront fee at closing to cover the interest difference.

PERMANENT RATE BUYDOWN -  A rate buydown is a financing strategy where where upfront points are paid at closing to reduce your mortgage interest rate for the entire life of the loan. This results in lower monthly mortgage payments from day one through the end of your loan term—typically 15, 20, or 30 years.

HOME UPGRADES - Personalizing your new home can be is one of the most exciting aspects of buying a new home.  Sellers often offer free or discounted home upgrades, allowing you to enjoy premium features without increasing your base price. These upgrades not only enhance your daily living experience but also add long-term value to your home.

Design options include features such as quartz countertops, dual-sink vanities, upgraded flooring, luxury tile, and upgraded kitchen appliance packages. Structural options, on the other hand, encompass additions like pools and lanais in Florida, morning rooms, extra bedrooms, finished basements, and more.

DISCOUNTED HOME PRICING - One of the most compelling incentives is a discount on the price.  By providing discounts homes are more financially accessible, allowing buyers to save a significant amount of money on their purchase.

This incentive is especially appealing in today's competitive housing market, where every dollar saved can make a substantial difference. Discounts not only help buyers reduce their upfront costs but also make the prospect of owning a brand-new home more achievable.