Blog

Builder Incentives

2-1 Buydown vs. Permanent Buydown: Which Is Better in Utah?
Bymicaholson August 5, 2026September 16, 2026

Quick Answer: For most Utah buyers, the permanent buydown is the better use of the same builder incentive dollars. A 2-1 buydown only lasts two years, and its distinctive perk — unused funds refunded — only arrives if you refinance or sell inside that window. A permanent buydown lowers your rate for the life of…

Read More 2-1 Buydown vs. Permanent Buydown: Which Is Better in Utah?
Builder Incentives

Do I Have to Use the Builder’s Preferred Lender in Utah?
Bymicaholson August 5, 2026August 20, 2026

Quick Answer: No — you are never required to use a Utah builder’s preferred lender. But shopping away from them is usually the wrong instinct today. Builder incentives now commonly run $20,000 to $50,000, and builder rates are often competitive before the incentive is even applied. Five to ten years ago an outside lender could…

Read More Do I Have to Use the Builder’s Preferred Lender in Utah?