08/20/2026
The headlines aren’t telling the whole story 👀
I keep hearing, “Nobody can afford to buy right now” or “Rates are way too high.”
But here’s what I’m actually seeing with my clients:
🏡 Families buying homes AND staying within the monthly payment they’re comfortable with.
🔑 Clients locking in rates between 3.99%–5.75% on new construction through available builder/lender incentive programs.
💰 Families using down payment assistance programs and, in some cases, bringing as little as $500–$1,000 out of pocket toward their purchase.
And resale buyers? We’re starting with the monthly payment, not just the home price, and shopping within the price point that makes that payment make sense.
Buying right now isn’t about forcing the numbers to work. It’s about knowing what programs are available, where the incentives are, and what YOUR budget actually looks like.
If the headlines have made you think homeownership isn’t possible, let’s at least run the numbers before you count yourself out. 🏡🧡
Rates, incentives, down payment assistance, eligibility, and funds required vary by buyer, property, lender, loan program, and builder. Examples are based on individual client transactions and are not a guarantee of financing terms or approval.
