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 How to Compare Them · Utah Builder Incentives Explained
Financing incentives and closing cost credits generally do not lower the recorded sale price, which is part of why builders prefer them. That protects the comps in the community — including the comps that support your own home’s value later. Full breakdown: Utah Builder Incentives: How They Work and How to Compare Them · Utah…
It changes from week to week. Some builders carry more inventory under $450,000 than others at any given moment, and homes priced under that line come and go as fast as they’re built and sold. Right now, the Utah County builders with homes priced under $450,000 include Arive Homes, Century Communities, DR Horton, Edge Homes,…
On a documented mid-2026 Utah deal it took about three years and eight months on a 30-year fixed and about two years on a 7/6 ARM. The exact figure depends on loan size and the size of the rate reduction, but it is commonly shorter than buyers expect. Full breakdown: Builder Rate Buydown vs. Price…
Not typically, and that is the change from several years ago. Builder rates are now often competitive before the incentive is applied. Have your own lender review the loan estimate for fees and points rather than assuming the rate is padded. Full breakdown: Do I Have to Use the Builder’s Preferred Lender in Utah? ·…
Take the price cut if you are paying cash, making a very large down payment, expect to sell within a couple of years, or need a lower purchase price to stay under a loan limit or program cap. Full breakdown: Builder Rate Buydown vs. Price Reduction in Utah: Which Is Actually Better? · Utah Builder…
Slightly. On a real Utah new construction deal where a builder charged $20,000 more for the home in exchange for a permanent rate buydown, that extra $20,000 in assessed value added roughly $10 a month in property tax — which pushed the buydown’s breakeven timeline out by about a month. It’s a real cost, but…