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4.50% · 5.665% APRTexas•4.50% · 5.665% APRTexas•
Across every market we cover
19communities with a live deal
54builders
1market
10cities tracked
40communities
The four incentive types
Read a builder offer the way an agent reads it.
Most builder deals fall into one of four types. Knowing the difference is the difference between a sticker price and a real cost-to-own.
Rate buydown
Lower rate
on your mortgage
The builder pays your lender to lower your interest rate, which can lower your monthly payment.
Some buydowns last the life of the loan; temporary ones end after the first years, and the rate and payment go up. Before you compare, check the APR and the offer’s full terms.
Closing-cost credit
Less cash to close
applied at closing
The builder covers part of your closing costs — lender fees, title, prepaid items — so you bring less cash to closing.
Some credits require the builder’s preferred or affiliated lender.
Price reduction
Lower price
cut from the list price
A straight cut to the price of the home. It lowers what you finance.
The simplest kind of offer to compare across builders.
Included upgrades / design credit
Upgrades covered
or design-studio credit
The builder includes upgrades or gives you design-studio credit for finishes like flooring, cabinets and countertops.
On a home still being built, design choices close at a set point — ask the builder when.
Rate buydownRate buydownThe builder pays your lender to lower your interest rate, which can lower your monthly payment.Some buydowns last the life of the loan; temporary ones end after the first years, and the rate and payment go up. Before you compare, check the APR and the offer’s full terms.Starlight HomesSpecial financing offerOnly in North TexasChecked Oct 14Checked with the builder on October 14, 2026
*Terms are based upon a loan with the following terms: Payment is for principal and interest only. Credit terms are based on a 30-year fixed mortgage. Purchase price of $252,490. 5.99% (APR 6.563%) 30-YR Fixed FHA loan 3.5% down payment required, and a 620 credit score. 3/2/1 Program includes a 3% decrease on the interest rate for year one, a 2% decrease on the interest rate for year two and a 1% decrease in the interest rate for year three. The interest rate that applies to year one is 2.99%. The interest rate that applies to year two is 3.99%. The interest rate that applies to year three is 4.99%. Beginning in year four, the fixed rate of 5.99% applies to the remainder of the loan life. Additional special financing rate of 5.99%, 30-yr fixed rate, FHA. Restrictions on the maximum loan amount and loan-to-value ratio apply. In addition to payment for principal and interest, payments for taxes, homeowner’s insurance, mortgage insurance and possible HOA dues are required. Financing is offered Velocio Mortgage (NMLS ID #1529234) or Trailblazer Mortgage (NMLS ID #2106646), affiliated lenders of Starlight. This is not an offer of any specific interest rate or a commitment to make a loan and only buyer’s lender can offer a specific interest rate or issue a loan commitment under this special financing rate promotion. Receiving the advertised rate and incentive requires participation in the Starlight Homes Advantage program, including use of Velocio Mortgage or Trailblazer Mortgage, which are affiliated lenders. However, use of Velocio Mortgage or Trailblazer Mortgage is not required to purchase a Starlight home. Starlight Homes is not a lender or mortgage broker and does not offer loans or mortgages. Starlight Homes has locked-in, through Velocio Mortgage or Trailblazer Mortgage, a fixed interest rate for a pool of funds. Rate is only available until pool of funds is depleted or the rate expires on October 31, 2026. The special financing rate is only available for a limited time and only limited quantities of loans at the special financing rate are available. Rate offer is on a first come, first serve basis. Rate is subject to change upon exhaustion of funds, and may be adjusted depending on buyer’s credit profile, loan to value ratio and/or certain property characteristics. Rate is not guaranteed, and buyer must satisfy all conditions or requirements for approval of buyer’s mortgage loan by buyer’s lender for the financing and purchase of the property. Only available in Starlight Homes Dallas communities for contracts written between October 1, 2026, and October 31, 2026, on certain available homes. Home must close on or before November 30, 2026. Qualification, income and/or geographic restrictions may apply. Offer only available on homes that are purchased as a primary residence. Buyer must obtain a FHA/VA loan, with a minimum credit score of 620, in order to qualify for the special financing rate. Incentives and contributions by Starlight Homes are subject to certain terms, conditions, and restrictions and certain incentives may be limited by the lender or could affect the loan amount. This communication is provided for informational purposes only and should not be relied upon by you, not to be construed as a quotation or offer of credit from any lending institution. Programs, prices, rates, terms and conditions subject to change without notice. Actual rates available to you may vary based upon a number of factors including credit score, documentation level and market conditions. All loans subject to credit approval. Other restrictions may apply. See terms and conditions for complete information. Supply of homes and homesites at these prices are limited and subject to availability.
Rate buydownRate buydownThe builder pays your lender to lower your interest rate, which can lower your monthly payment.Some buydowns last the life of the loan; temporary ones end after the first years, and the rate and payment go up. Before you compare, check the APR and the offer’s full terms.HistoryMaker HomesSpecial financing offerDevonshire · Forney, TexasChecked Oct 14Checked with the builder on October 14, 2026
Rate buydownRate buydownThe builder pays your lender to lower your interest rate, which can lower your monthly payment.Some buydowns last the life of the loan; temporary ones end after the first years, and the rate and payment go up. Before you compare, check the APR and the offer’s full terms.Pacesetter HomesSpecial financing offerOnly in North TexasChecked Oct 30Checked with the builder on October 30, 2026
* Scenario as of: 10/5/2026. Loan Program: FHA Term: 30 Yr Fixed 5.49% interest rate (6.263% APR) with a 1 year temporary buy down to 4.49%. Sales Price: $450,000. Loan Amount: $441,849. FICO: 680. Interest rate secured through forward commitment. Monthly principal and interest payments: $2237 year 1; $2506 years 2-30. **Loan Program: Conventional Term: 30 Yr Fixed 5.99% interest rate (6.057% APR) with a 1 year temporary buy down to 4.99%. Sales Price: $450,000. Loan Amount: $427,500. FICO: 760. Interest rate secured through forward commitment. Monthly principal and interest payments: $2292 year 1; $2560 years 2-30. Monthly payment estimates do not include taxes, insurance, MI, or assessments. Buyer is subject to qualifications for specific loan terms, primary occupancy, property type, down payment, credit, and underwriting requirements, and/or investor program guidelines. Property restrictions apply. May not be combined with any other available offers or discounts. Not an offer to enter into an interest rate or discount point agreement and any such agreement may only be made in writing signed by both the borrower and the lender. Offer requires financing through preferred lender & preferred title company. All Financing and rate incentives are only valid for customers using Pacesetter Home’s preferred mortgage lender, Ark-La-Tex Financial Services, LLC NMLS# 2143, DBA Benchmark Mortgage or SFMC Home Lending, NMLS#166487. Homes must contract by 10/31/2026. Offer is valid on new sales contracts only and may not be applied to previously written sales contracts, contract rewrites, cancellations, or transfers. Offer excludes Bond/Down Payment Assistance loans. Offer subject to credit approval, not all borrowers will qualify. Additional transactional Closing Cost amounts, if any, are dependent on the structure of the loan buyer chooses. Lender will pay the title insurance. This offer is subject to change or to be discontinued at any time without prior notice. Flex cash amounts vary by home and community; see Sales Representative for details.
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Why NewHomeDeals
The new-build advantage, worked by a local broker.
Builders compete with each other — not with the seller across town. That competition shows up as cash, rate, and finish credits a resale buyer never sees. We follow those programs and pair every buyer with a licensed local broker who knows how to read them.
01
Incentives that move the math
Builders publish rate buydowns, closing credits, price cuts, and design-center money to clear inventory on their own schedule. The right program can beat a $50k price reduction on resale.
02
Builder warranties on day one
Most new homes ship with a 10-year structural, 2-year systems (HVAC, plumbing, electrical), and 1-year workmanship warranty. Resale buyers inherit deferred maintenance instead.
03
Modern code, modern bills
Current IRC code, modern envelope and insulation, low-E windows, high-SEER HVAC, and HERS-rated efficiency. Utility bills routinely land 30–50% below a comparable resale.
04
Customize while it’s still framed
Pick finishes, flooring, cabinets, counters, and structural options before drywall. Smart-home pre-wire and EV-ready garages are standard with most builders now.
How we work for you
The deal behind the listing
National portals show you the listing. We show you the deal behind it — the buydown, the closing credit, the lot discount — and track it across every community we cover, updated as it changes.
A licensed local broker, free to you
Every buyer is paired with a licensed local broker who knows the builders, the lots, and the sales counselor by name. Builder-paid commission means our representation costs you nothing.
No pressure, full disclosure
We show the rate, the APR, and the disclosure on every figure — never a teaser number. You get the real cost-to-own before you ever tour.
