08/21/2026
🏡 BUILDER INCENTIVES = BIG OPPORTUNITIES FOR BUYERS! 🔑💰
Thinking about buying a NEW CONSTRUCTION HOME? Don’t overlook the power of builder incentives — especially when they can be used toward a 3-2-1 temporary rate buydown!
✨ How does a 3-2-1 buydown work?
With an eligible loan and properly structured seller/builder contribution, funds are set aside to temporarily reduce the buyer’s payment as if the interest rate were:
🏠 Year 1: 3% lower
🏠 Year 2: 2% lower
🏠 Year 3: 1% lower
🏠 Year 4 & beyond: Full note rate
💡 WHY BUYERS LOVE IT:
✔️ Lower payments during the first few years of homeownership
✔️ Extra breathing room after moving expenses
✔️ Time to adjust to the full mortgage payment
✔️ Builder incentives can help fund the temporary buydown, subject to loan guidelines
✔️ You get the benefit of buying your home NOW instead of waiting and trying to predict where rates will go
🔥 And here’s something important:
If rates improve in the future, you may have the opportunity to refinance, subject to qualification and market conditions. If they don’t, you already know what your full payment will be when the temporary buydown ends.
New construction + builder incentives + the right financing strategy can make a BIG difference. 🙌
📲 Before you start shopping, let’s run the numbers! I can show you what a 3-2-1 buydown could look like based on your purchase price, loan program, and available builder incentives.
Beth Dodgins | Branch Manager
CrossCountry Mortgage – The Dodgins Team
Temporary buydown availability and seller/builder contributions are subject to loan program guidelines, eligibility, and approval. Refinancing is not guaranteed and is subject to future market conditions and borrower qualification. Desiree Rachford CrossCountry Mtg Dickson
