10/13/2026
They were one signature away from leaving $12K on the table. โ๏ธ๐ฌ
๐ New construction buyers, under contract with the builder
๐ The incentive looked incredible: thousands off closing costs
๐ The catch? Only through the builderโs in-house lender, no rate BUY-DOWN is FREE, so donโt get excited looking at 4.99%, before you check the math behind it!
๐ซ They were ready to sign without comparing a single other option
โธ๏ธ I asked for 48 hours
๐ We shopped it against 3 outside lenders
๐ The result was a lower rate with minimal extra fees
โ
And they kept the incentive that mattered most
๐ฐ Even after the builderโs offer, the math flipped: ~$12K saved in cash-to-close
๐ก Same house, better terms
๐ก The lesson:
โ Builders can profit on the house AND the loan
โ An โincentiveโ isnโt a discount until youโve seen the full numbers
โ Compare before you sign disclosures
๐ฒ Know someone under contract with a builder right now? Send them this before they sign.
๐ก Harman Cheema | Monument Realty
๐ 469-381-0060
๐ฉ [email protected]