06/02/2026
Did you know you don't have to use the builder's lender to keep your incentives? 🔑
Most buyers assume it's a package deal: love the home, take their lender. But that's not always true, and it's worth asking before you sign anything.
Here's what I see happen a lot with builder lenders: they're often more conservative with their underwriting. Tighter guidelines. Less flexibility on credit, income structure, or unique scenarios. If your file isn't textbook, it can be a hard stop.
As a local lender, I have access to more loan options, more flexibility on qualifying, and I actually have time to work your file, not just process it.
And here's the part people don't realize, I work directly with new home sales reps. So if the builder is offering closing cost incentives, rate buydowns, or upgrades, we can coordinate so you don't leave money on the table. You get the perks AND a lender who actually knows your name.
If you're shopping new construction and your scenario is a little outside the box, from self-employed, credit needs some work, non-traditional income - that's exactly where I come in.
DM me the word BUILD and let's talk through your options before you commit to anything. 🏡
