Does paying more for the home raise my property taxes?

No. You can use any lender you choose. Most Utah builders tie their incentive — the rate buydown or closing cost credit — to their preferred lender, so using an outside lender often means giving up that incentive. Have your own lender review the builder’s loan estimate rather than trying to replace it; five to…

A permanent buydown does, because it lowers the note rate the lender qualifies you on. A 2-1 buydown does not. Utah lenders underwrite you at the full note rate regardless of the temporary discount. Full breakdown: 2-1 Buydown vs. Permanent Buydown: Which Is Better in Utah? · Utah Builder Incentives Explained

Usually yes, at least in part. Most Utah builders make the incentive conditional on financing through their preferred lender. Ask the builder directly whether any portion of the incentive survives with an outside lender, because a few will negotiate on that. Full breakdown: Do I Have to Use the Builder’s Preferred Lender in Utah? ·…

A 7/6 ARM is an interest rate structure where the rate stays fixed for seven years, then adjusts every six months after that, based on whatever index it’s tied to. Rates could go up or down from there, depending on where the market moves. Most 7/6 ARMs also carry a maximum and minimum rate cap,…

Builders will negotiate, but maybe not as aggressively as deal-seeking buyers hope. You can often get little things thrown in — free blinds throughout the house, a refrigerator, small credits here and there. But if a builder is already offering a big incentive — say, a 7/6 ARM with a 2-1 buydown bringing the first-year…

Typically at quarter and year end, and on standing inventory with a completion deadline the builder wants to clear. Incentives also tend to shrink when demand picks up, which is worth remembering if you are waiting for a better moment — waiting is not automatically neutral. Full breakdown: Utah Builder Incentives: How They Work and…