Builders love to advertise a low "bought-down" rate. Here's the honest math — your monthly payment at the base rate vs. the buydown, side by side. With ~20 years in mortgage finance, Phil reads which incentive actually saves you the most.
Principal & interest only — taxes, insurance, and HOA are extra and vary by community. Estimates for comparison, not a loan offer or quote. Confirm exact figures with a licensed lender.
A rate buydown, a price cut, and a closing-cost credit can be worth very different amounts depending on your price, down payment, and how long you'll stay. Phil runs the real numbers on your specific deal — and tracks which builders are offering what right now — so you choose the incentive that actually lowers your cost the most. Working with him doesn't change the price you pay.
Get the current incentive list →