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Builder Rate Offers · Updated August 1, 2026

New-build rates as low as 3.999% right now.

See all offers →

Builders are buying rates down well below resale financing. Here is the lowest current offer from each builder advertising one, with the fine print called out.

2.99%
Adjustable (ARM)
Beazer
Tirreno at IronWing (Litchfield Park), Bethany Grove (Glendale), Montana Vista (Buckeye), Willows at Bella Vista Farms (San Tan Valley)
Rate only, through one named loan officer
Contracted between 08/01/2026 and 08/31/2026
2.99%
Temporary buydown
Shea Homes
Medley at Avalon Crossing
2.99% year 1 (note rate 4.99%)
Up to $20,399 in buydown funds held in custodial escrow + up to $10,000 closing costs with S…
Contracts executed after 07/23/2026
2.99%
Temporary buydown
Risewell
Elara at Moonlight (Maricopa), Rialta (Mesa), Bella Vista Farms and Wildera (San Tan Valley), Windstone Ranch and Frontera and Sunrise Canyon (Surprise), Bentridge (Buckeye)
2.99% year 1 (note rate 3.99%)
Flex Cash incentives on other communities
Limited time, until the funds pool runs out - no dated window published
2.99%
See terms
Brookfield Residential
Alamar (Avondale) and Blossom Rock (Apache Junction)
2.99% / 3.99% (as low as)
3.99% + up to $8,000; 2.99% + up to $8,500 / $10,000 / $15,000 closing money
None stated - 'limited time' only
3.375%
Adjustable (ARM)
Mattamy Homes
13 Phoenix communities incl. Baker Farms, Bella Vista Farms, Empire Pointe, Soleo, Tyler Ranch, White Tank Vistas
Seller pays up to 6% of purchase price toward temporary buydown fund and/or settlement costs
Contracts entered 07/01/2026 - 08/30/2026
3.49%
Adjustable (ARM)
Oakwood Homes
Moonlight · -
Move-in Ready Package; requires their preferred lender (not named)
3.75%
See terms
Lennar
Select new homes, greater Phoenix metro
Lennar-paid discount points; requires Lennar Mortgage
Sign purchase agreement 07/27 - 08/02/2026
3.75%
Adjustable (ARM)
K. Hovnanian
Select quick move-in homes, Arizona communities
Rate OR a 'Flex Cash Equivalent' (amount not published)
Extended through 08/31/2026
3.99%
Temporary buydown
Toll Brothers
Select quick move-in homes, Arizona
3.99% year 1 (note rate 5.99%)
Toll-paid 2/1 buydown
Sign Sales Agreement on or after 07/01/2026
3.999%
30-yr fixed
Richmond American
Select quick move-in homes, Phoenix area
3.999% (FHA) / 3.999% (VA) / 4.500% (conventional)
Closing cost assistance applied toward a permanent interest rate buydown
Sign 07/01 - 08/05/2026
4.50%
30-yr fixed
Taylor Morrison
Select Phoenix-area quick move-in homes
Seller pays up to $8,000 toward buydown fund, closing costs, up to 1 yr HOA, pre-paids and/o…
Contracts entered 08/01 - 08/31/2026
4.5%
30-yr fixed
Pulte Homes
Select quick move-in ready homes
4.50% (FHA)
Incentives toward closing costs / discount points
Loans must be locked and closed by 01/29/2027
4.5%
30-yr fixed
Centex
Select quick move-in homes
4.50% (FHA)
Incentives toward closing costs / discount points
Loans must be locked and closed by 01/29/2027
4.99%
30-yr fixed
Tri Pointe Homes
Soleo and Terraza (move-in ready and to-be-built)
Up to $40,000 closing credit at select communities; appliances + $10,000 closing costs on th…
Dates not published - confirm with builder
4.99%
30-yr fixed
Del Webb
55+ active adult communities
Incentives toward closing costs / discount points
Loans must be locked and closed by 01/29/2027
4.99%
30-yr fixed
Dream Finders Homes
North Copper Canyon (Surprise), Canyon Pointe Village (Mesa), Apache Farms (Buckeye)
Up to $30,000 savings on select homes; payments advertised from $1,112/mo. Incentives requir…
Contracts written AND closed by 09/30/2026

Read the label. A 30-yr fixed rate holds for the life of the loan. A temporary buydown starts low and steps up after the first year or two. An ARM can adjust upward once the fixed period ends. Every builder rate requires that builder's preferred lender, and offers are tied to contract and rate-lock deadlines. Rates and terms come from builder marketing and change often, verify before relying on them.

Rate alerts

I check all 38 builders every Monday. You get what changed.

These windows are short. New offers appear and expire every week. I read the fine print on every one, so you find out which rates are actually fixed and which are a teaser that steps up in year three.

38
Builders checked
16
Publishing a rate
7
Genuinely fixed

One email a week. New offers, expired offers, and anything closing in the next 10 days. No listing blasts, no drip sequence. Unsubscribe any time.

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Clifford Wong
Your Buyer's Agent

Clifford Wong

I built this site because buying new construction without independent representation is one of the most common, and expensive, mistakes Phoenix buyers make. The builder's sales team is good at their job. That job is selling you their home at the highest price possible.

I work exclusively for buyers. My fee is paid by the builder. It costs you nothing and changes everything about how the transaction goes.

West USA Realty · AZ License #SA699206000 · cliffordsellsaz.com

Working with a builder's sales rep is free, but it's not neutral.
Their job is to sell you their homes. Mine is to help you find the right one.

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