Product and construction
Plan options, included features, lot conditions, change limits, walkthrough process, and warranty structure.
St. Johns County new construction
The incentive is not the deal. The whole equation is the deal.
A builder can offer a lower rate, a closing-cost credit, or an upgraded home. The useful comparison is what you pay, what you finance, what you own, and what remains true after the promotion ends.
Compare total cost
Two $600,000 homes can be very different purchases.
The headline price rarely tells you enough. I help buyers keep the recurring costs, one-time costs, financing terms, construction choices, and resale considerations in one view.
01Base or quick-move-in price
02Lot premium
03Design and structural upgrades
04CDD and HOA obligations
05Property-tax estimate
06Builder closing credit
07Mortgage incentive or rate buydown
08Estimated cash required
Before you sign
Questions worth answering early
Incentive math
Price reduction versus closing credit versus rate buydown—and the assumptions behind each comparison.
Financing flexibility
The builder lender's offer, outside-lender alternatives, qualification risk, and deadline consequences.
Insurance questions
Roof and building details, flood information, quote timing, and what to verify before contingencies tighten.
Contract obligations
Deposits, cancellation rights, completion timing, inspection access, and items that require legal review.
Long-term fit
CDD, HOA, taxes, surrounding phases, competing inventory, and how the specific lot may compare at resale.
Independent representation
The builder's sales team represents the builder.
Your agent's job is to help you compare options, ask the next question, manage the process, and keep your priorities visible. If you want representation, involve your agent before the first visit or registration.
See the property risk scanComparing builders or incentives?
Send me the communities or homes you are considering. I will help you turn the promotion into a side-by-side decision.