Financing
Get pre-approved, then shop like a cash buyer.
A pre-approval tells you what your monthly payment actually looks like, with the seller-paid buydown worked in, and tells the builder you are ready. It takes one conversation.
Current incentive
A 2-1 buydown is a seller-paid credit that pre-pays part of your interest: two percentage points off your rate for the first year of the loan, one point off for the second, and the full note rate from year three. It lowers the payment in the years most buyers feel it most. The homes it applies to, the lender terms, and any cap on the credit come from Ray and Bret.
Offer available on select homes through the preferred lender, subject to change or withdrawal without notice, and subject to credit approval. Terms apply. Your rate and terms may differ. You are free to finance with any lender. Not a commitment to lend.
Fifteen minutes on the phone covers your goals, your timeline, and the loan programs that fit, including how the 2-1 buydown works on the home you have in mind.
Income, assets, and identification, uploaded to a secure portal. Most buyers have everything in an afternoon.
A pre-approval letter and a real monthly payment for the home you have your eye on, HOA dues included, for years one, two and three.
Write the offer knowing it will fund. Bret and Ray coordinate the rest through closing.
Have ready
Pre-approval is not a commitment to lend. Rates, programs, and terms depend on credit approval and can change. You are free to finance with any lender.
Ray can tell you which homes carry the buydown, which are ready to close, and which are a few weeks out, so the pre-approval lines up with the move.
Contact the sales team