Why builder incentives look so good
Builders may offer rate buydowns, closing-cost help, design-center allowances, flex cash, or other incentives when you use their preferred lender. Those benefits can be valuable, but the details and tradeoffs matter.
Compare the complete Loan Estimates
Review the interest rate, points, lender fees, credits, mortgage insurance, cash to close, monthly payment, lock terms, and any builder incentive that changes when you choose another lender.
An outside lender may offer options
An outside mortgage broker may provide more lender choices, different loan programs, personalized service, or better terms. None of that matters unless the total numbers are actually stronger for your situation.
I will tell you the truth
Send me the builder lender’s Loan Estimate. If it is a great deal, I will tell you. If I can beat it, I will tell you that too. The goal is for you to get the best deal, even when the winning loan is not mine.
Your next step
Let’s talk about what this means for you.
You do not have to figure out every mortgage detail on your own. Tell me the goal and we can work through the questions.
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