Builder inventory and incentives have pulled more buyers to new homes. In Riverview and Palm Harbor, rate buydowns, closing credits, and quick-move-in discounts can lower payment and cash to close. For timing strategy on offers, watch our expert clip: Are Open Houses Still Working in 2025?
U.S. Census — New Residential Sales
Line up two columns: price cut versus buydown credit. Price cuts help future tax basis and appraisals. Buydowns reduce payment now. Choose the path that best fits your time horizon and refinance expectations.
Keep appraisal, inspection, and warranty protections intact. Ask for lender rate options in writing and request a side-by-side of upfront points versus builder credits. For rate context as you model scenarios, read How a Fed Cut Could Move Your Mortgage Rate.
