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If you’re home shopping in this market, you’ve probably noticed one thing: monthly payments are brutal.

The average 30-year fixed rate just hit 6.88%—and that rate alone can tack hundreds (if not thousands) onto your payment every month. But here’s what you won’t hear from your bank or a resale-focused agent:

Some builders are offering fixed rates as low as 4.75%—and you don’t have to pay extra to get it.

Let’s break that down.

💸 Payment Comparison (Same Loan, Two Very Different Outcomes)

$450,000 loan at 6.88% (market rate):
📆 30-Year Fixed
💵 Monthly Payment: $2,957.68

$450,000 loan at 4.75% (average builder-backed rate):
📆 30-Year Fixed
💵 Monthly Payment: $2,347.86

💥 Monthly Savings: $609.82
📈 Year 1 Savings: $7,317.84

That’s a serious dent in your cost of living—without the usual hoops and fees it takes to buy down a rate on your own.

🚪 “Spec Homes” Are Ready Now

These aren’t pre-construction wish-list projects with 9–12 month build times.

We’re talking about completed, move-in ready homes that builders need off their books this quarter. And they’re sweetening the deal with:

✔️ Below-market fixed rates
✔️ Builder-paid closing costs
✔️ Professional representation covered by builder-offered compensation
✔️ All-new appliances, fixtures, roof, HVAC—everything

🛠️ Non-Financial Perks of Buying New

1. Everything is… new.
New roof. New AC. New appliances. New plumbing. No surprises hiding behind a seller’s “fresh paint job.”

2. Instant equity (if you time it right).
Get in early—before the builder starts bumping prices every 4–6 weeks—and you might build equity just by sticking around.
A lot of these communities take 2–3 years to fully build out. During that time, pricing often increases phase by phase.
If you’re one of the first buyers in the door, you can sit back, live your life, and let the builder drag your value up by tens—sometimes hundreds—of thousands.

3. Warranties across the board.
Most builders offer 1–2 year full coverage and 10-year structural warranties. You won’t get that buying a 1998 stucco flip.

4. Lower insurance premiums.
Newer homes often cost less to insure thanks to updated building codes, fire-resistant materials, and modern wiring.

5. Peace of mind + predictability.
No emergency plumber calls. No blown HVAC units. No roof leaks during monsoon season.

6. Smart home features.
Think: video doorbells, smart thermostats, prewired security, and energy-efficient everything.

7. You’re not inheriting someone else’s problems.
Used homes can come with “emotional baggage”—from bad DIY repairs to worn-out systems. A new build is a clean slate.

🔗 Want to See What’s Out There?

👉 Search All New Builds Here
This link takes you directly to move-in ready builder homes across Greater Phoenix.
No fluff, no weird filters—just real inventory, updated daily and tied to me so I can guide you through it.

—

Brent Hammonds — Associate Broker / REALTOR®
HomeSmart Real Estate
📞 602-717-3219
📧 azbrokerbrent@gmail.com
🌐 phoenixmlshomes.com
📝 azbrokerbrent.blog
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