{"id":24,"date":"2026-09-08T17:00:00","date_gmt":"2026-09-08T17:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/joeannsellshomes-ca\/2026\/09\/08\/new-home-rate-deals-need-scrutiny\/"},"modified":"2026-09-08T17:00:00","modified_gmt":"2026-09-08T17:00:00","slug":"new-home-rate-deals-need-scrutiny","status":"publish","type":"post","link":"https:\/\/www.joeannsellshomes.ca\/blog\/2026\/09\/08\/new-home-rate-deals-need-scrutiny\/","title":{"rendered":"New-Home Rate Deals Need Scrutiny"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\"\n                src=\"https:\/\/www.roomvu.com\/agent\/embed\/joeann-chabrol\/new-home-mortgage-799e\"\n                frameborder=\"0\"\n                allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\"\n                allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>Builders have been using mortgage rate buydowns to move inventory, lowering initial monthly payments instead of cutting prices as markets slowed recently.<br \/>\nAt closing, builders pay a one-time fee to lower the rate, but many offset that cost by raising the home&#039;s sale price.<br \/>\nThe lower-rate incentive often requires using a partnered lender, so buyers benefit from comparing quotes, closing fees, and total financing costs carefully.<br \/>\nMany buydowns are temporary, especially 2-1 structures, reducing payments for two years before resetting to the full loan rate afterward for homeowners.<br \/>\nEven permanent buydowns can limit flexibility, while incentives may keep headline prices elevated, so buyers should negotiate on price and upgrades too.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Builders have been using mortgage rate buydowns to move inventory, lowering initial monthly payments instead of cutting prices as markets slowed recently. At closing, builders pay a one-time fee to lower the rate, but many offset that cost by raising the home&#039;s sale price. The lower-rate incentive often requires using a partnered lender, so buyers [&hellip;]<\/p>\n","protected":false},"author":189,"featured_media":115,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-24","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.joeannsellshomes.ca\/blog\/wp-json\/wp\/v2\/posts\/24","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.joeannsellshomes.ca\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.joeannsellshomes.ca\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.joeannsellshomes.ca\/blog\/wp-json\/wp\/v2\/users\/189"}],"replies":[{"embeddable":true,"href":"https:\/\/www.joeannsellshomes.ca\/blog\/wp-json\/wp\/v2\/comments?post=24"}],"version-history":[{"count":0,"href":"https:\/\/www.joeannsellshomes.ca\/blog\/wp-json\/wp\/v2\/posts\/24\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.joeannsellshomes.ca\/blog\/wp-json\/wp\/v2\/media\/115"}],"wp:attachment":[{"href":"https:\/\/www.joeannsellshomes.ca\/blog\/wp-json\/wp\/v2\/media?parent=24"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.joeannsellshomes.ca\/blog\/wp-json\/wp\/v2\/categories?post=24"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.joeannsellshomes.ca\/blog\/wp-json\/wp\/v2\/tags?post=24"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}