Financing Options & Incentives: What New Home Builders in Gilbert & Queen Creek Are Offering

Shopping for a new build in Gilbert or Queen Creek? You might be surprised by the variety of financing options and special incentives local builders are offering to attract buyers in today’s market. Here’s a look at what you can expect—and how to make the most of these deals.

Builder Financing Perks

• Rate Buydowns: Many builders offer to “buy down” your mortgage rate for the first few years, lowering your monthly payment and easing you into homeownership.
• Closing Cost Assistance: It’s common to see builders covering a portion (or all) of your closing costs—sometimes thousands of dollars in savings.
• Preferred Lender Bonuses: If you use the builder’s in-house lender, you may qualify for extra incentives like reduced fees or additional upgrades.

Other Popular Incentives

• Free Upgrades: Think upgraded appliances, flooring, or smart home packages at no extra cost.
• Design Center Credits: Some builders give you a credit to spend on custom finishes, letting you personalize your home without breaking the bank.
• Move-in Ready Specials: Quick-move homes may come with special pricing or bundled incentives to help them sell faster.

Tips for Buyers

• Always compare the builder’s financing offer to outside lenders—sometimes a “free” incentive comes with a higher interest rate.
• Ask for a detailed list of what’s included in the incentive package before signing a contract.
• Don’t be afraid to negotiate—many builders have flexibility, especially on inventory homes.

Builders in Gilbert and Queen Creek are eager for your business, so take the time to explore your options. The right incentive could save you thousands—or get you the upgrades you really want in your new home.