Prime Home Team helps new construction buyers compare builder incentives, lender costs, mortgage pricing, and Prime Buyer Advantage savings before choosing a home or lender.
Buying new construction can be exciting. Buyers may get to choose a floor plan, lot, finishes, upgrades, and closing timeline. But new construction also creates decisions that can affect the buyer’s total cost.
Before signing a builder contract or choosing a builder’s preferred lender, buyers should compare the full cost of the home, the financing offer, the incentive package, and the long-term value of the purchase.
If a builder has offered an incentive or lender quote, buyers can submit the documents for review. The more complete the information, the more useful the comparison can be.
Before visiting model homes or selecting upgrades, understand estimated payment, loan type, cash to close, and potential Prime Buyer Advantage savings.
Request a Rate Quote → Get My Savings Estimate →Compare location, builder reputation, floor plans, included features, lot premiums, upgrade costs, HOA dues, taxes, and estimated completion timeline.
Search Homes →If the builder offers closing cost credits, upgrade credits, rate incentives, or preferred lender benefits, review the conditions carefully.
Compare My Lender Quote →Request a personalized rate quote from Ultimate Mortgage to compare against the builder's preferred lender offer.
Request My Rate Quote →Compare the builder lender offer against the Prime Buyer Advantage — lender fees, rate, points, credits, cash to close, and monthly payment.
Compare My Lender Quote → Home Buyer Savings Calculator →New construction contracts and timelines may differ from resale. Understand deposits, deadlines, selections, completion estimates, and financing deadlines.
Design selections, inspections, appraisal, loan processing, underwriting, title work, insurance, final walkthrough, and closing.
When you later sell the home you purchased through Prime Home Team, you may qualify for the future 1.5% listing fee, subject to program terms.
Look beyond the advertised base price. Final cost may be affected by upgrades, lot premiums, HOA dues, taxes, insurance, lender fees, builder incentives, and closing costs.
Examples use an estimated 1% loan origination fee and $600 lender processing fee, plus potential future listing fee savings if you later sell the same home through Prime Home Team.
Scenario
Estimated Immediate Savings
Scenario
Estimated Immediate Savings
Scenario
Estimated Immediate Savings
Compare the full financing cost before deciding.
Also compare APR, points, lender fees, credits, cash to close, rate lock terms, and monthly payment.
The model home may include upgrades not included in the base price.
Some lots carry additional premiums that change the final purchase price.
Delays may affect rate locks, moving plans, closing costs, and financing.
Compare the builder lender offer early, before you feel locked into one financing path.
The Prime Buyer Advantage helps you think ahead with a future 1.5% listing fee when you sell.
This optional form is for new construction buyers who want help comparing a builder, community, home, or lender offer.
The builder’s preferred lender may offer a valuable incentive, but compare the full cost first — rate, APR, points, lender fees, builder credits, lender credits, cash to close, and monthly payment.
Yes. Submit a builder lender quote, incentive sheet, Loan Estimate, fee worksheet, screenshot, or email for review. Compare My Lender Quote →
Yes. Request a personalized rate quote from Ultimate Mortgage using key preliminary information. Request My Rate Quote →
No. You may choose any lender. The Prime Buyer Advantage applies when you use Prime Home Team for the real estate purchase and Ultimate Mortgage for financing.
Ultimate Mortgage does not charge a 1% loan origination fee and does not charge a lender processing fee.
Not always. Builder incentives should be compared against rate, points, lender fees, credits, monthly payment, cash to close, and total loan cost.
Yes. Start with a strategy before visiting builder communities — comparing price, payment, lender options, incentives, timeline, and potential Prime Buyer Advantage savings.
No. Actual savings vary based on borrower qualifications, loan amount, loan program, market conditions, property type, lender pricing, builder incentives, third-party fees, timeline, and other factors.
Yes. Use the Search Homes page to browse available homes. The MLS search may include new construction listings depending on builder participation. Search Homes →
When you purchase a home through Prime Home Team and later choose Prime Home Team to sell that same home, we list the property for a 1.5% listing fee, subject to the listing agreement and program terms.
