Thurman Homes Blog

It’s time for dessert. A winning strategy plus another winning strategy is just a win-win for you. And we at Thurman Homes want you to win. That’s why this article is a continuation of a previous article in which we explained how to supercharge your rate buydown. This is the last installment in one of the greatest trilogy of articles, and believe us, you don’t want to miss the nail biting conclusion. Without further ado, here it is…

How Buyers Combine Both Strategies- Rate Buydown and Builder Incentives

Instead of deciding between 2 great options, some buyers go hybrid — and honestly, it’s brilliant:

• Use builder credits (hi again, $40,000) to fund a 2-1 temporary buydown
• Add a little personal contribution to permanently buy down the rate you settle into later

Boom. Two layers of savings:

Year 1 & 2: Breathing room and easier payments
Long-term: A stable, far-lower final rate

And yes — you can still refinance if rates drop later. It’s a no-lose situation.

This Strategy Especially Shines If…

• You’re relocating and want soft landing payments
• You need wiggle room for furniture, moving costs, or holiday spending
• You plan to stay in your home 5+ years
• You’re nurturing your future as a real estate investor
• You love the idea of using $40K in builder incentives to your advantage (because who wouldn't?)

This isn’t a trick — it’s financial momentum.

Thurman Homes Makes This Ridiculously Easy

Here’s the magic of working with Thurman Homes:

We specialize in new construction communities where incentives are already baked in — and right now, that includes up to $40,000 in savings on select move-in ready homes.

We know which communities offer:

• 2% closing credits
• 3% credits
• Bigger incentives
• And right now… those juicy $40K opportunities

Our job? Match you with the right home and the right lending strategy.

Your job? Show up. Ask questions. Pick paint colors. Yeah, you get to handle the fun stuff.

Ready for the “Money Wins” Conversation?

Whether you’re curious, serious, or already Googling “What can I do with 40k in builder savings?” — we’ve got a no-pressure solution:

Schedule a complimentary payment strategy session with:

• ✔ Michael from Thurman Homes
• or
• ✔ Our preferred lending partner

We’ll walk you through:

• Temporary vs. permanent buydown math
• Break-even points for your lifestyle and long-term plans
• Which Thurman communities offer incentives you can use today
• How our current $40,000 savings offer can radically shift your payment

No stress. No pressure. Just big savings and clear answers. Reach out today and let’s make this your smartest — and most affordable — move of the year. And if your dream home happens to come with an extra $40K in savings? Well… that’s just Thurman Homes doing what Thurman Homes does best.