Using Builder Incentives to Supercharge Your Rate Buydown
If our last article was the appetizer, welcome to the main course — the one dripping with strategy, savings, and a side of “Wait, I can do WHAT with my mortgage rate?” Because while buying down your interest rate is already a power move…
Combining it with our builder incentives is like switching on Easy Mode in the home-buying game. We love efficiency! We really love buyers saving real money! And we absolutely love a plan that lets you settle into your new Thurman home worry-free!
And here’s the best part: Thurman Homes is currently offering up to $40,000 in savings on select move-in ready homes. Yes, you read that right. Forty. Thousand. Dollars.
Grab your calculator and champagne— things are about to get interesting.
Why Builder Incentives Are a Big Deal
Here’s a little industry secret: most builders love keeping sale prices high.
High prices = strong comps = healthy neighborhood values = builder reputation stays shiny.
So when buyers ask for price cuts, builders usually politely but firmly decline. But asking for closing cost credits instead is an easier pill to swallow. Because those credits can be used to:
- Fund a 2-1 temporary buydown
- Buy discount points for a permanent rate buydown
- Or — for the fancy strategists — combine the two
This is how buyers right now are locking in rates in the 3% and 4% range… even if the market is doing something completely uncooperative. And with up to $40,000 in incentives from Thurman Homes, your rate-buydown power just leveled up.
The Play: Redirect Instead of Reduce
Let’s imagine a builder offering $10,000 in incentives.
You have two choices:
| Option | What Happens | Result |
|---|---|---|
| Ask for a price reduction | Home price drops | Your payment barely moves |
| Use the $10K for a rate buydown | Interest rate drops | Your monthly payment drops a lot |
Lowering the rate has a dramatic impact on your monthly budget — way more than shaving a few thousand off the purchase price.
Savvy buyers know: Payment > Price
Especially when you’ve got $40K in potential ammunition.
The Savings Power-Up Has Only Just Begun
So yes — using builder incentives to turbocharge your rate buydown is already one of the smartest financial plays you can make in today’s market. Especially when Thurman Homes is offering up to $40,000 in savings on select move-in ready homes… that’s not just a deal, that’s a “call your lender and your mom” kind of moment.
What exactly happens if you combine both… strategically… intentionally… and deliciously? Well, friend — that’s where things get downright magical. Stay tuned for the next article in this series, where we’ll break down how to blend buydowns and builder incentives into one powerhouse affordability strategy. The kind that slashes your payment now and protects your wallet long-term. It’s the homebuyer’s equivalent of having your cake, eating it too, and discovering the cake was 40% off.
