07/22/2026
If you’re shopping for a new build in Beaumont, Banning, Perris, Menifee, Wi******er, Murrieta, Wildomar, Riverside, Temecula, or Corona, I hope this gives you a more REALISTIC starting point for what that homeownership payment could look like.
One thing I always try to do is keep it REAL.
Most advertised starting payments don’t reflect your TOTAL monthly payment. They advertise principal and interest only. Once you factor in property taxes, Mello-Roos/CFDs, homeowners insurance, HOA dues, and mortgage insurance (when applicable), your total monthly payment can EASILY be $900–$1,200+ higher.
That’s why I encourage buyers to look beyond the headline number and make sure they understand things like:
✔️ HOA dues
✔️ Higher property taxes or Mello-Roos/CFDs
✔️ Homeowners insurance
✔️ The interest rate and builder incentives being offered and how long they last
Those additional costs make a meaningful difference in what you’ll actually pay each month. I’m not trying to rain on anyone’s parade, but it’s my literal job to make sure you know about these costs upfront rather than be surprised later.
My job is to educate you, advocate for you, and help you understand the full picture so you can make confident decisions throughout the home-buying process.
And one more tip: Always bring your own Realtor with you on your very first visit to a new-build community. The builder’s sales team represents the builder. Having your own agent means you have someone looking out for your best interests, helping you compare communities, understand incentives, and navigate the process from start to finish.
Real numbers. Real expectations. Real representation. ✨🤍
Thinking about buying a new build? Have questions about a specific community or payment estimate? DM me or text me—I’m always happy to help! 🫶🏻
Josie Soto Sanchez
TOWER AGENCY
DRE # 02201825
951-259-4671
